Having home insurance in Scottsdale, AZ guarantees that you are shielded from property damage and expenses arising from liability claims no matter what happens. But that is not to say that this policy comes with unlimited coverage. Alliance Insurance Partners highlights the critical items covered under home insurance and what to expect from your policy.

Damage to Your House

When your house gets damaged due to incidences such as vandalism, fires, or other covered disasters, home insurance will take care of the costs of repairs and rebuilds. This includes any destruction that happens to the interior and exterior of your main house. In addition to this, personal items such as clothing, appliances, and furniture are also covered. However, high-priced items will fall out of this coverage feature and will require you to get a more customized policy for full protection.

Additional Living Expenses

If your house’s damage renders your premises uninhabitable, you will likely need a rental house while your home is being fixed. This comes with costs related to accommodation and restaurant meals which can slowly accrue based on your stay. Home insurance provides coverage in these situations, ensuring that all additional living expenses are taken care of.

Personal Liability

Lawsuits can happen for several reasons, with the most common being a personal injury to other parties or property destruction. When this happens, you need coverage that will take care of any impending medical costs along with expenses concerning the replacement or repair of the damaged property. Home insurance comes in handy here, protecting you and your dependants from liability claims that occur at your premises or another party’s property. Keep in mind, however, that costs arising from intentional harm are not covered.

Alliance Insurance Partners offers advice on suitable coverage options for Scottsdale, AZ residents. Give us a call today to get started on your home insurance journey.