Home insurance covers the hazards that most homeowners face—everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

– Storm damage, fire, windstorm, lightning and hail, to name a few.
– Wind damage
– Flood damage
– Sewer or septic backups
– Replacement cost for personal property
– Umbrella liability insurance
When you see an independent insurance agent like Lyon & Butler Insurance Brokers Ltd, you have the chance to explore all your options for insurance, and protect the things that are most important to you.