Many people nowadays are looking to take the plunge into homeownership, and with good reason. Over the long haul, purchasing a home is typically a great investment for you and for your future family. However, the process of buying a house can be time-consuming, stressful and expensive. After sweating through negotiations over the price of the home, enduring the home inspection, forking over the down payment money and signing all the paperwork, the last thing most new homeowners want to think about is shelling out more cash for a homeowner’s insurance policy. But think about the investment you just created by buying that home… don’t you want to protect it?

Homeowners insurance provides financial protection for your home against disasters. A standard policy insures not only the home itself, but also the things you keep in it. In this way homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Q: Should I buy home insurance?

 

A: If you’re taking out a mortgage to purchase your home, the answer to this question is yes. Lenders in California require homeowners to carry an insurance policy in case the home is damaged. But also homeowners insurance offers important protections to both you and your new home. It is a coverage I would recommend every homeowner to have.

 

               ~ (an exert taken from We’ve Got You Covered by Bobby Uppal)

 

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