333 Centerville Rd,
Warwick, RI 02886
If you have a mortgage out on your home, you are more than likely required by your lender to carry home insurance on it in Rhode Island. And even if you do not have a mortgage, it is always wise to continue to carry insurance. Your home is one of your most significant assets, and home insurance helps to protect that. One of the questions that we at The Slocum Agency, Inc., serving the greater Warwick, RI area, are often asked is, what does home insurance protect? Here are a few of the coverage options that home insurance offers.
Home insurance helps to cover the structure of your home. This includes things like the siding, framework, plumbing, roof, windows, and finishes, such as counter tops, cabinets, and sink. The structure of your home is protected against a variety of unexpected events, such as fire and hail damage. Always read your policy to see what circumstances are covered.
Home insurance helps to protect not only your home but the personal belongings that are placed inside of the home. This includes items such as furniture, electronics, dishes, artwork, toys, and clothing. Your personal belongings are covered if they are damaged by an unexpected event, such as a fire or if they are stolen from your home by a thief.
The last coverage that home insurance provides is liability protection. If someone is injured on your property, they may be able to sue you. Home insurance helps to cover the injured parties expenses and offers you legal protection if this were to happen. This includes a friend slipping and falling in your home or a contractor falling off of your roof.
If you are looking to purchase your first Rhode Island home insurance policy or are looking for a new one, The Slocum Agency, Inc., serving the Warwick, RI area, would love to help. Call us today to schedule an appointment to sit down and discuss your insurance needs. Also, try our online rating tool for quotes on home insurance.