For most people, insurance protection is an important aspect of homeownership. Buying Homeowners Insurance through Oxford Millin means buying coverage for both your property and possessions.
What is Home Insurance?
Homeowners insurance, or home insurance, reimburses you for losses to your home and your possessions inside it. Home insurance also protects you if you're legally liable for someone else's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
Generally, a standard homeowners insurance policy protects the following:
The physical structure of your home
Structures on your property (storage sheds, pools, boathouses, etc.)
Your personal property and belongings inside your home, up to specified limits
Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
Injuries to your household pets while inside your home
Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home
Often, for an additional fee, you can select optional homeowners insurance coverages, including:
Higher limits of liability for property damage or bodily injury
Replacement cost for personal property
Protection for valuables (jewelry, watches, fur, etc.)
Additional coverage for electronics or computer equipment
See What You Could Save
Get a quote by calling us at 631-434-6666 (NY) or 215-517-7590 (PA) and learn more about Homeowner's Insurance through Oxford Millin.