Your home in Bellevue, Council Bluffs, Omaha, Papillion, Treynor, or the surrounding areas is likely going to be your largest investment, so shouldn’t you protect that investment? That’s why you need to contact Campbell Insurance Agency so that they can shop the insurance market to find you the best home insurance for your needs. Your homeowner’s insurance covers not only your home, but also covers your belongings inside, such as your bedroom set, living room furniture, and more. Not only that, but it also usually includes liability coverage as well for injuries and property damage caused by you to others.
What If I Don’t Own a Home?
There are a number of people who don’t own a home, but who need to have insurance on their belongings nonetheless. Instead of a traditional home insurance policy, you will have what is commonly referred to as renters insurance. This is designed to protect your belongings in your apartment, the same as home insurance does for the homeowner and their belongings.
Those who are in condominiums are in the same predicament where they need to protect their belongings. There is insurance on the condo building, but that only covers the common areas of the building and the building itself. Your personal belongings still need to be protected, and the only way to do that is to have your own insurance policy to protect your own stuff.
What Does Home Insurance Protect Against?
You might be wondering what scenarios your home insurance protects against. Some things you might expect, while others you may not expect. Some of these events include a house fire, hail damage, getting hit by a vehicle, a windstorm, and many others. You will want to have a discussion with your agent about your home insurance policy covering property loss with actual cash value or replacement cost. Actual cash value is what the item is worth at the time of the incident minus any depreciation, where replacement cost covers what it will cost in today’s dollars to replace what was lost. When you are in need of getting home insurance in Bellevue, Council Bluffs, Omaha, Papillion, Treynor, or the surrounding areas or you just want to review what you have to see if you can get better coverage, call Campbell Insurance Agency.