Home insurance is something that can protect the most significant investment of your life. Life is full of hazards. If one of them happens to your home, you need to be prepared about how you will survive it. Home insurance covers you for many kinds of things, but not everything. You need to know what is covered and what isn't. Goshen Group Inc. in Glen Carbon, IL is an independent insurance agency that is here to help you to make sure your home has enough protection.
Illinois does not require that you carry home insurance, but if you have a mortgage, your lender will require it. They are interested in your building and want to make sure it is covered. But beyond just the physical building, home insurance has a lot of coverage that can make you feel more secure with your decision to own a home.
Home insurance offers content coverage. This protects your personal property. This includes your clothing, furniture, decor, electronics, and even a limited amount of jewelry. It covers it in the home and when it is traveling with you.
Home insurance includes liability insurance. This protects you from legal action someone may take against you. It covers the judgment and also legal expenses you may incur. Everyone hopes they will never be sued, but there is no guarantee that it won't happen to you.
Loss of use is a crucial coverage home insurance provides. It will help pay for a place for you to stay when your home becomes uninhabitable due to a covered peril. You will be able to go to a hotel room immediately and, if you are homeless for a while, you can rent a place to be your temporary home.
Contact Goshen Group Inc. in Glen Carbon, IL for all your Illinois insurance needs. Call our office or stop in to discuss what you are looking for in insurance.