JACKSON INSURANCE AGENCY
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|Posted on June 24, 2016 at 1:07 PM||comments (442)|
Why Do You Need Insurance?
Homeowners insurance is an important purchase for many people. There are two major reasons to buy homeowners insurance:
• To protect your assets Homeowners insurance covers the structure of your home and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property while they’re on your property.
• To satisfy your mortgage lender Most mortgage lenders require you to have insurance as long as you have a mortgage and to list them as the mortgagee on the policy. If you let your insurance lapse, your mortgage lender will likely have your home insured. Compared to a policy you would buy on your own, the premium might be much higher and the coverage will be limited to damage to the structure of your home. The lender can require you to pay this higher premium until you get your own homeowners insurance again.