As a homeowner, your responsibility includes not only protecting your home from potential damage but also ensuring you have a safety net to compensate for any unexpected damages. If you reside in the Portland, ME, area, we at Noyes Hall & Allen Insurance invite you to discuss your home insurance needs with us.
Typical Coverage Areas of Home Insurance
Most mortgage lenders in Maine require you to have home insurance. A typical home insurance policy comprises several types of coverage. Dwelling insurance is one of the most critical components, providing coverage for damage to the home or attached buildings. Structures like a freestanding garage, fence, or guest cottage fall under the "other structures" category.
Your home is more than just a structure; it accommodates your personal belongings, such as furniture and clothing. These are insured as property and personal possessions under your home insurance policy. In cases where your home gets severely damaged, making it uninhabitable, the ‘loss of use’ clause becomes applicable. This aspect of your policy aids in covering living expenses while your home is being rebuilt or repaired.
Liability insurance forms a vital part of your coverage, safeguarding you against lawsuits for physical injuries that might occur on your property. The medical payment policy covers the medical expenses.
Get in Touch with Noyes Hall & Allen Insurance Today!
Established in 1933, Noyes Hall & Allen Insurance prides itself on offering top-notch insurance services to homeowners in the Portland, ME area. As an independent insurance agency, we provide a wide range of home insurance options and affordable policies to meet your specific needs. Schedule an appointment with one of our agents today to discuss your coverage options.
Contact Noyes Hall & Allen Insurance Today to Discuss Your Home Insurance Needs!