What First Time Homebuyers Need To Know About Insurance

Buying your first house is an exciting time. In order to best protect this big investment you have made, you will need a solid home insurance policy in place. At Weber Insurance, we provide our clients with solid insurance information so that they can make confident insurance choices. Keep reading to learn more about home insurance in Hanover, PA and the surrounding areas. 

Home Owner’s Insurance Is A Necessity 

The only way to fully protect this new investment you have made is with a home insurance policy. If your home is under a mortgage, you will probably be required by the mortgage company to have insurance in place. Even if this is not a requirement for you, though, a home insurance policy will protect you from devastating expenses if your home is damaged or destroyed. 

Home Insurance Coverage

You can customize your home insurance policy to meet your particular needs, but in general, a home insurance policy will provide coverage in the following areas:

  • Property damage- If the home is damaged or lost due to fire, natural disaster, or burglary, the policy will pay you for repairs or replacement of your home. 
  • Liability- If someone is injured at your home or on your property, your policy will cover any medical or legal expenses that may result. If you do not have liability coverage, you will be held liable for these expenses. 

Flood Insurance Is Not Usually Included

First-time homebuyers should be aware that flood insurance is not usually included in a normal home insurance policy. You will need to speak with an insurance representative about this type of coverage. 

If you would like to learn more about home insurance or any of our other insurance services, please contact us at Weber Insurance serving Hanover, PA and the surrounding areas.