Homeowners need homeowners insurance protection to protect their homes, property, and belongings. A simple policy usually isn’t enough to fully protect a home, its property, and people’s belongings inside. Fortunately, a quality homeowners insurance company can help people protect their property with the best possible insurance policy. Here are three ways you can upgrade your insurance to protect your home, property, and belongings.

1. Get Full Coverage for Belongings

Your property includes more than your home’s physical structure. It also includes all of your furnishings, valuables, and belongings. A standard homeowners insurance policy only partly insures what you have inside your home. According to Comfy Living, nearly half of homeowners surveyed say they inventoried their possessions in case they need to file insurance claims for losses. Compiling a list of all of your belongings and insuring them for their full value is a smart thing to do, especially when you have the right insurance.

2. Get Protection Against Common Natural Disasters

Different homes face different common perils due to weather and potential natural disasters. Basic homeowners insurance won’t protect homeowners against many perils, such as external flooding, wind and hail damage, or other perils that might be more common where you live. You can modify your homeowners insurance with additional riders that protect against particular perils, including external flooding, wind and hail damage, and so much more. Your insurer can help identify which riders are more likely to help give your home full insurance protection.

3. Get Insurance Against Liability

If you have any visitors, then you could be liable if an accident or a dangerous condition caused them to suffer an injury or property damage. For example, an old tree might topple over and land on a visitor’s car or a structure on a neighboring property. Your homeowners insurance company can protect you against financial liability with umbrella insurance that covers liability that might exceed what your homeowners policy provides.

You can call, send a message online, or visit our office to learn more about how we can help you obtain the best homeowners insurance policy to protect you and your family. We look forward to hearing from you at Oliver Insurance Agency, Inc. We'll be happy to answer any questions you may have.