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For most people, buying a house will likely be the biggest financial purchase made during their lifetime. After all of the time, effort, and, most importantly, funds to finance the dwelling, having comprehensive homeowners insurance is worth it to protect this important investment. Action Auto Insurance Agency in New London, CT, strongly encourages securing policies designed to guard against a wide range of damages and perils.

What Are the Benefits of Homeowners Insurance?

1. Natural Disaster Protection

From hurricanes and hail to tornadoes and wind, houses are vulnerable to damage caused by natural disasters. The outside elements can tear holes in roofs and push trees through windows. Homeowners insurance is designed to pay for the repair and replacement costs so that policyholders don't have to absorb the expenses. In addition to natural disasters, policies will also cover damage caused by fire and theft.

2. Injury Protection

Should you, a family member, or a guest sustain an injury while in the house or the surrounding property, homeowners insurance will pay for the medical expenses. Depending on the policy, the coverage may also extend to injured guests who experience wage loss during their recovery.

3. Personal Property Protection

homeowners insuranceMost homeowner insurance plans also cover the repair and replacement costs for personal items. These can include televisions, furniture, and computer equipment. For instance, should a water heater burst and flooding damages personal property, the policyholder can submit a claim for replacements. In addition, some plans have special coverage for high-ticket items, such as antiques, art, and jewelry.

4. Temporary Relocation Expenses

If your home is ever damaged, and you need to move to a temporary location while the property is being repaired, homeowners insurance will pick up the tab. This is a common scenario after a fire has occurred. Most carriers will pay for hotel stays, food, and other related expenses during the repair process.

You worked hard to get your dream home. Protect it with comprehensive homeowners insurance. Let the experienced team at Action Auto Insurance Agency help you secure coverage designed to be there when you need it and at an affordable rate. To get started, call (860) 444-7224 for price quotes from some of the nation's leading carriers. Visit the website for extensive information on other policy options.

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