Homeowners Insurance in Mishawaka, IN
Having homeowners insurance can be a smart move, whether you’re settling into your first house or have lived there for years. While Indiana law doesn’t require this coverage, most mortgage lenders include it as part of the loan agreement. Even if you own your home outright, having insurance can help you financially prepare for the unexpected.
What Does Homeowners Insurance Cover? 
Homeowners insurance is designed to financially safeguard your home and belongings. A standard policy may include the following coverage:
- Dwelling coverage may reimburse costs to repair or rebuild your home if it’s damaged by fire, windstorms, vandalism or other covered events.
- Personal property coverage may cover losses involving your belongings, such as furniture, electronics and clothing.
- Liability coverage may offer financial support if you cause bodily injury to others or damage their property.
- Additional living expenses coverage may help pay for temporary living expenses while your home is being repaired after a covered event.
- Other structures coverage may extend financial protection to your garages, storage sheds, fences and similar standalone structures.
It’s important to understand that homeowners insurance doesn’t cover every risk and situation. You may need separate policies for flood or earthquake damage, as well as additional coverage for high-value items such as jewelry or collectibles. Reviewing your policy and identifying gaps can help you avoid unexpected costs.
Factors That Affect Coverage
Every home is different, and so are your insurance needs. Factors that may influence your policy include:
- The age and condition of your home
- The value of your personal belongings
- Local risks, such as severe weather conditions
- Your desired coverage limits and deductibles
Learn More
Our team at A-Agency Insurance a Division of Treesh Insurance Agency can work closely with you to assess your needs, explain your options and help you choose the right policy. Contact us today to get started.