Homeowners Insurance in Summerville, SC
One investment all homeowners should consider is homeowners insurance. This essential coverage may financially protect your home and belongings from unexpected losses if something unfortunate occurs.
What Does Homeowners Insurance Cover? 
Standard homeowners insurance policies typically include the following key coverages:
- Dwelling coverage may cover the structure of your home and pay for repair or rebuilding costs if damaged or destroyed by a covered incident.
- Liability protection may pay medical bills and legal fees if you, your family member or your pet is responsible for bodily injury or property damage to a third party.
- Loss of use coverage may provide funds for living expenses if a covered incident renders your home uninhabitable. This may pay for accommodation, restaurant meals and other temporary living costs.
- Personal belongings coverage may cover personal items like clothes, furniture, musical instruments and sports equipment if stolen or destroyed in a covered loss. Note that expensive items such as antiques, fine art and jewelry might need an endorsement to insure them for their appraised value.
How Much Coverage Should I Have?
The general rule of thumb is to purchase enough homeowners insurance to cover the cost of rebuilding or repairing your home if destroyed. You should also consider factors such as the total value of your belongings, local building codes and any additional structures and improvements made to your home.
What Does Home Insurance Cost?
Rates of homeowners insurance depend on various factors, including your home’s location, rebuilding cost, desired coverage amount and the home’s age and condition. Your credit score and claims history are also often considered when assessing your risk profile.
How We Can Help
Cornerstone Insurance Group LLC can help review your policy options to find the optimal coverage for your home. Contact us today to get started.