Home Insurance

Your home is meant to be the safest place on earth. It is where you get the comfort you need and the relaxation you deserve after a long day at work. Unfortunately, disasters come unannounced, and some accidents are inevitable. That’s why WSM Insurance Agency Inc. recommends buying adequate home insurance to protect what matters to you. Homeowners insurance is designed to protect your home and loved ones in case of a loss, damage, or injury to other people. Here is what you need to know about home insurance.

Home insurance basics

Before you buy home insurance in Illinois, make sure you understand your policy very well. While it is an all-around policy, home insurance does not cover water damage caused by floods. Additionally, some disasters are not covered, and others like windstorms and hail are covered with limits. Note that injuries to you or your family are not covered. You will also not be compensated if you intentionally cause damage to your home. Normal wear and tear of items are not covered, and small non-motorboats are covered partially.

Home insurance primary coverages

Illinois home insurance covers a wide range of perils and protects your home and family, including pets. It can repair or replace damaged items, pay medical bills for people who get injured at your home, and may pay defense fees if you are sued for bodily injury and property damage. The coverages include:

• The dwelling coverage
• Other structures coverage
• Bodily injury liability
• Property damage liability
• Additional living expenses

How much insurance do you need?

The amount of home insurance to buy for your home depends on your needs and budget. While the home insurance package comes with all the essential coverages, you can purchase optional coverages to provide more protection. You also need to assess your needs, like whether there are children, your home's size, and whether there are significant structures in your compound like a swimming pool.

Looking to buy home insurance in the future? WSM insurance Agency Inc is ready to walk you through the insurance journey and ensure you find a policy that meets all your needs. Call us today.

WSM Insurance Agency Inc is licensed in Illinois and Wisconsin