When you buy a home, you’re making a significant financial and emotional purchase. Buying home insurance can be a great benefit to make sure that you are protected in case your house is destroyed or damaged.

As a homeowner, you are responsible for repairing your home if it experiences damage from flood, fire or another disaster. Purchasing home insurance can restore your personal property, protect you if you are liable for damage to another person’s property or an injury sustained on your property. Additionally, you could get coverage to cover court fees, food and shelter if you have to exit your home.

From basic liability coverage to more comprehensive policies, homeowner’s insurance can vary in how it covers the structure and your personal property in your home. Homeowner’s insurance can vary from simple liability coverage to more comprehensive policies that cover your home’s structure and personal property. Home insurance can also include specific policies that protect your home in case of fire, floods or earthquakes.

Meet with a qualified insurance from Insurance Quotes Salt Lake agent today and find out what type of home insurance best fits your needs.

Standard Homeowners Insurance Policies

Insurance Quotes Salt Lake connects you to agencies that offer the following kinds of policies:

HO-1 Policy

An HO-1 homeowner’s insurance policy gives you essential coverage. It covers harm caused by certain events, including fire, lightning, windstorms, hail and explosions. These plans also usually cover damage instigated by civil disturbance and volcanic eruptions. Since this policy is very narrow, many states no longer offer it.

HO-2 Policy

This policy protects you against 16 types of events, including the resulting destruction from burglary, vandalism or civil tension. An HO-2 policy will take care of hail damage, windstorm damage and broken glass, as well as destruction caused by smoke and any damage induced by a vehicle. If your pipes rupture or your roof collapses, this policy will also protect that.

HO-3 Policy

HO-3 policies cover all possible causes of damage to your property and belonging loss, with the exception of specifically listed events. Exclusions vary from policy to policy, so read yours conscientiously to understand what is going to be left out.

Basic vs. Extra Coverage

Basic homeowner’s insurance typically covers the money it will cost to fix the compromised property, as well as the restoration costs if your home is damaged. It also covers your belongings, but the items inside your house are only covered for up to 40 percent of the home’s insured value. Supplementary coverage will protect you against earthquakes and floods, as well as deal with the loss of personal property like jewelry, computers and cameras.

Contact Us Today

For the best home insurance rates on the market, contact Insurance Quotes Salt Lake. It’s important to keep your home in Murray, Utah protected and we’re here to help you do that.