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640 Dupont Rd
Charleston, SC 29407

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4 Areas Covered By Home Insurance

While your home ownership process involves a lot of things, one thing you shouldn’t forget is home insurance. Without home insurance, your hard-earned home could go down the drain when the unthinkable happens. Fortunately, you can secure your home with home insurance from B&A Insurance LLC, located in Charleston, SC.

Liability protection

The liability coverage in your home insurance policy covers you and your household members against bodily injury and property damage for losses and damages caused to third parties. For instance, if your son throws a ball and breaks your neighbor’s expensive vase, the liability coverage can kick in to save you property damage costs. 

Similarly, if someone slips and injures their neck within your premises, liability insurance covers the medical expenses and legal costs if the person sues you for negligence. 

Dwelling protection

The dwelling coverage of your home insurance protects your home structure, including the roofs, wall, floor, and other permanent structures attached to your home. Home insurance protects your home against damage from:

  • Lightning
  • Hail
  • Fire
  • Theft
  • Vandalism
  • Windstorm
  • And many more risks

Home insurance excludes damage from certain perils. Be sure to double-check with your insurance agent to understand what’s not covered with your home insurance.

Contents coverage

If theft, fire, vandalism, or any other covered peril causes damage or loss to your assets, home insurance compensates you up to your coverage limit.

Additional living expenses

Suppose fire, hail, or any other covered peril destroys your home. Your home may become unlivable for a couple of days or even weeks as repairs go on. In the meantime, you may need to seek temporal shelter and incur expenses like hotel meals and accommodation. Home insurance saves the day by covering expenses that exceed your average daily/monthly spending.

Are you shopping for an affordable home insurance plan in Charleston, SC? Don’t look beyond B&A Insurance LLC. We offer customizable and affordable insurance to suit your needs. 


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