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Things to Know About Home Insurance

Buying a home for the first time is exciting! Our South Raleigh movers know that there are a lot of aspects of home buying and becoming a homeowner that can be very complicated, especially if it is your first time doing it. One of the most important things that you need to remember when buying a home is to not skip over getting homeowners insurance. Do not let all the legal jargon overwhelm you. All My Sons Moving & Storage can tell you what you need to know about home insurance.

What is Homeowners Insurance? 

Homeowners insurance is an insurance policy that covers specific types of damages to your home or property. It is a great asset and necessity to anyone who is planning to buy or own a home. What you need to know about home insurance is that it helps to protect you not only financially should your home incur any damages, but it can also protect you and your belongings.

Homeowners insurance is sometimes also referred to as home insurance and its main functions are to protect your home structure, your belongings, other structures you may have on your property, and you from liability of injuries to guests or others while on your property. Homeowner’s insurance can really provide a new homeowner with the peace of mind that if something were to go wrong with or in their home, their policy will be there to protect them.

Types of Homeowners Insurance

Our South Raleigh local movers recommend that when learning what you need to know about home insurance, you become knowledgeable on the types of homeowners insurance available. When it comes to homeowners insurance, there are 8 different policies that are available with 5 different coverage types. Not every policy or coverage will be relevant to the type of home you have, but it is still a good idea to know about them.

Dwelling Protection
This kind of coverage is used for damage or loss of your home.

Other Structures
This kind of coverage is for damages or loss to any other structures that may be on your property such as a detached garage, shed, fence, pool, and things of the like. This kind of coverage is usually automatically included in your homeowner’s insurance policy, even with the absence of such structures.

Personal Property
This kind of coverage is for personal belongings in your home like furniture, clothes, and things of the like. This kind of coverage is also usually included in most policies.

Additional Living Expenses
This kind of coverage is for costs that may incur should you need to temporarily leave your home because its unlivable due to the amount of damage sustained.

Personal Liability
This kind of coverage protects you from any claim that is filed against you for injury of a guest or damage to your property.

Additional Things to Know About Homeowners Insurance

It is also important to note that you can make an addendum to your insurance policy, called riders, which can help protect other aspects of your belongings such as high value items like jewelry. Another important fact to note when it comes to  what you need to know about home insurance, is that flood insurance is its own program and depending on where you live, it may be required by law for you to purchase it.


After you have brushed up on what you need to know about home insurance, contact All My Sons Moving & Storage. Let our South Raleigh residential movers take care of your move for you!