Consumers who have recently purchased a home for the first time in Bethlehem, PA, need homeowners insurance to cover their new living quarters. Typical policies have several different categories that provide essential coverage for your home. These can be confusing the first time you encounter them. The professionals at Saucon Insurance Agency will gladly explain the parts of your policy and why you need these basic coverages.

What Will My Homeowner’s Policy Cover?

Most policies have six major categories. These are:

• Dwelling
• Other structures
• Personal property
• Loss of use
• Personal liability
• Medical payments

Every policy will look slightly different. Yet you can expect these categories to cover most of your home and what is inside. Dwelling covers the home’s structures, foundation, and attached buildings, such as garages. It also covers appliances that may be destroyed in a fire, tornado, or similar event. Other structures are outbuildings like sheds and detached garages. Personal property involves personal belongings like furniture, clothes, etc. Loss of use will provide living expenses if your home is uninhabitable because of a covered loss. Liability pays for repairs to someone’s property damaged in your home or medical treatment for injuries. Medical payment coverage is similar but involves covering someone’s medical expenses if an incident happens in your home caused by someone else.

Does My Home Need Additional Coverage?

While those are basic coverages, you may need additional coverages for particular items. For example, valuable items such as jewelry and art will require a rider to cover their worth in case of damage or loss. You may also need special coverage if you live in a flood plain.

When you work with Saucon Insurance Agency, you won’t have to guess what type of coverage your Bethlehem, PA, home requires. Call our office today to get started on your policy.