Why Liability Coverage Is A Big Part Of Your Home Insurance Policy

Based in Spring Grove, IL, Spring Grove Insurance serves the community by offering residents insurance coverage. We proudly serve as an independent insurance agency. We strive to create long-lasting relationships with our clients to find the right policies for their situations.

Why Liability Coverage Is An Important Part Of Your Home Insurance Policy

Your home is one of your most prized possessions. It’s likely the place where you spend most of your time. Home insurance allows you to protect your investment. Your property is covered if it is vandalized or damaged due to severe weather or an accidental fire. All of your personal items are also covered if they are stolen or vandalized. You can add special coverage to protect the extra structures on your property, such as your garage or fence. One of the most important parts of your home insurance policy is liability coverage. You’ll likely have some visitors over to your Spring Grove, IL residence. Liability coverage protects you if someone gets injured while visiting your property.

Liability coverage also protects you if you accidentally cause damage to someone else’s property. If you have a pet, liability coverage can prevent a dispute if your pet bites someone and injures them. If you have a trampoline or another high-risk accessory on your property, liability coverage can protect you if someone gets injured. Though, you also have the option to add umbrella coverage as another layer of protection.

Other Areas Of Coverage

If you are involved in a potential liability dispute over something you said, you will be covered if you are accused of slander. If you plan to throw a party at your home, liability coverage will protect you if one of your guests gets sick or if someone accidentally damages your neighbor’s property.

Spring Grove Insurance Will Help You Protect Your Assets

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When should I get my home policy reviewed

Spring Grove, IL is a village in Northern Illinois. With a population of under 6,000 residents, it has a lot to offer all those who choose to call it home. When you own a home, you usually will have home insurance. Your home insurance is not the sort of coverage that should stay the same forever. Talking to experienced agents like those at Spring Grove Insurance can help you to keep your home insurance up to date with the changes in both your life and your home. 

When you have made significant changes to your home

Renovations are a great thing. Adding a new kitchen, bathroom, enclosing a porch, or any added square footage certainly increases the value of your home. Other things like adding a garage, deck, or shed on the exterior can also increase the value of your property. You don’t want to be underinsured. 

Adding a pool or dog

When you add a swimming pool to your home, there is an increased liability risk as well as added home value. Certain breeds of dogs are also an issue when it comes to liability, so it is essential to discuss this with your agent. 

Purchase an expensive item/item

If you have added a piece of art to your decor or any expensive pieces of jewelry, it is important to check the limits on your policy. You may need to add an endorsement to protect your valuable items. 

Safety Devices

If you have added a home security system or any other home safety device, you may be eligible for some discounts that will save you money. Be sure you let your insurance professional know about them. 

If you are looking for new insurance coverage, no matter what the reason, Spring Grove Insurance in Spring Grove, IL is ready to meet with you to answer any questions and help you decide what coverage you need for your home. Give the office a call to make an appointment or get a no-obligation quote.