What You Need To Know About Home Insurance

To properly protect the investment you have made in your home, you will need the proper home insurance in place. At Bogden Insurance Agency we provide solid insurance information so that you can always feel great about your insurance choices in Berlin, CT and the surrounding areas. Keep reading to learn more. 

Why Do I Need Home Insurance?

Home insurance is often required by mortgage companies if a home is being financed. Even if a home is not being financed, though, home insurance is the only way to truly protect the investment you have made. If your home is damaged because of fire, natural disaster, or burglary, you will be left without a place to live and responsible for repairs or replacement of your home. A solid home insurance policy protects you from this. 

What Does Home Insurance Cover?

Each home insurance policy can be customized to suit your particular needs, but in general, most policies will provide the following type of coverage:

  • Property damage- Property damage can happen due to fire, natural disaster, or burglary. When this happens, you can be left vulnerable. This type of coverage will pay for repairs or replacement of your lost property. 
  • Liability coverage- If someone is injured on your property or within your home, you will be the one held responsible for the expenses that are incurred. This can be devastating for you and your family if medical bills are extensive or if legal fees result. Liability coverage will pay these expenses for you. 

If you would like to learn more about home insurance, or any of our other insurance products, please contact us at Bogden Insurance Agency, serving Berlin, CT, and the surrounding areas.