Every homeowner in South Carolina wants to make sure that their house is protected as much as possible, and the best way to do so is to purchase a home insurance policy. Every policy can be unique to the home buyer and to the insurance company that provides the policy.
A house, condo, mobile home, or another dwelling is usually the largest investment that a person will make during their lifetime. The ideal protection for that investment is a homeowner's insurance policy that has the types of coverage discussed below.
Dwelling coverage is the insurance for the home itself. While the dwelling coverage can vary according to the policy, most dwelling insurance covers situations such as Natural disaster damages, vandalism damages, and fire damage. While unusual, some dwelling coverage may include earthquake insurance, most often coverage like that needs to be added in a policy addition called a rider.
Contents coverage is the insurance type that covers any personal property inside the home. Usually, that includes nearly all home contents. For example, furniture, clothing, and decorative objects. Keeping track of the overall value of personal possessions can be substantial for this type of coverage so the insurance agent can create a policy that would cover a total loss. Individual items with high value, for example, heirloom jewelry, may require a policy rider to get sufficient coverage.
Liability coverage is the insurance that provides protection from legal action. If anyone files a lawsuit after being hurt on the homeowner's property, this coverage will pay the damages that the court awards, or will pay a settlement to the injured person.
The SCF Solutions independent agents are ready to provide online quotes for South Carolina homeowners today. We offer multiple quotes that allow you to compare and contrast policies so you can choose the ideal homeowner's insurance for you.