How does home insurance work?

So how does your homeowners policy work?

There are 3 basic parts to your home policy:

  • Structure
  • Belongings
  • Liability

Structure: This means your 4 walls, your roof and all of the systems inside of it. (electrical, plumbing, HVAC) It also covers any garages or out buildings you may have.

Belongings: This means your stuff 🙂

Liability: This means insurance will pay for doctor bills, hospital bills or lawsuits if someone gets hurt on your property.

Talk to your agent about how to get a FREE homeowners quote in Middletown NY.

Contact your friendly Chitose insurance agent today