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HS Capital Realty LLC
Haleh Struzinsky, HS Capital Realty LLCPhone: (518) 729-8278
Email: HalehHomes@gmail.com

Homeowners insurance: A basic guide to coverages

by Haleh Struzinsky 02/26/2024

Homeowners insurance featured image with picture of homeowners insurance document

For many, homeowners insurance is a necessity. It offers financial protection for your home, and understanding coverages can help you pick a policy best fitting your needs. 

What's not covered by my insurance?

It’s essential to note, homeowners insurance doesn’t cover every peril that can potentially harm the structure of your property. For example, most policies don’t cover termite damages, as this is seen as something preventable by the homeowner with proper maintenance.  Some perils such as earthquakes and floods need to be covered under separate policies. 

What is covered by homeowners insurance?

Homeowners insurance typically offers liability coverage, dwelling coverage and coverage to personal property. 

Homeowners insurance offers financial protection against these standard perils: 

  • Theft.
  • Fire.
  • Hail. 
  • Wind damage.
  • Ice damage.
  • Damages from public commotion.
  • Etc.

Is homeowners insurance necessary?

Homeowners insurance isn’t a requirement - however, accidents frequently happen nationwide, and by purchasing a homeowners insurance policy, you add an extra level of security over your assets. 

For example, a kitchen may be damaged by a fire. Home insurance would kick in after the deductible is paid to help pay for repair costs. In addition to paying for repairs, the policy type may also cover moving the policyholder and their household into temporary lodging as the structure of the home is being restored.

Consider examining the needs of your home and speak with a local insurance representative to  understand what your coverage options are. They can help you choose a policy offering the best benefits for your home and belongings. 



About the Author
Author

Haleh Struzinsky

Being an experienced, licensed Real Estate Broker allows Haleh and her team to help people either locate their perfect home, or sell an existing home. HS Capital Realty LLC is a full service Real Estate Brokerage offering: Residential Sales, and Commercial Sales. Working as Broker of HS Capital Realty LLC, Haleh is dedicated to excellent customer service. You will find Haleh and her team to be honest and, going the extra mile for you. Ready to respond in a quick manner. They understand your time is valuable.

Whether you are an experienced, or first-time home buyer, we have the expertise and qualifications needed to provide the best service. When representing a buyer as an Accredited Buyer Representative. (ABR) As a Seniors Real Estate Specialist (SRES), Haleh is qualified to meet the special needs of Senior clients who are selling their home.

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