Homeowners Insurance in Moncks Corner, SC
Fires, theft and other disasters can have a devastating financial impact. Homeowners insurance may help protect against these losses by covering related expenses. In fact, most mortgage lenders require proof of home insurance before finalizing a property sale.
What Does Homeowners Insurance Cover? 
Homeowners insurance policies can include multiple types of coverage. Your agent may recommend the following:
- Dwelling coverage may cover damage to your home’s structure, including the roof, walls and built-in appliances, against perils like fire, windstorms and vandalism.
- Other structures coverage may cover detached structures such as fences, garages and sheds.
- Personal property coverage may help replace the contents of your home, including clothes, electronics and small appliances, if they’re stolen or damaged by fire or other covered risks.
- Liability protection may provide coverage if you cause bodily injury to others or damage to their property.
- Loss-of-use coverage may reimburse living expenses while your home is being repaired after a covered event.
Homeowners insurance does not typically cover damage caused by neglect, normal wear and tear or poor maintenance. Standard policies also generally exclude coverage for floods and earthquakes. Additionally, losses related to mold, infestations (e.g., termites or rodents) and intentional damage by the homeowner are not typically covered. Coverage for expensive items, such as fine art, jewelry or collectibles, may also be limited, although additional endorsements can be added to the policy.
Steps to File a Home Insurance Claim
Taking the proper steps can make the claims process smoother and help avoid unnecessary delays. Here’s how to file a claim with your insurance provider:
- Contact your insurance company as soon as possible.
- Document the damage with photos or videos.
- Prevent further damage if it’s safe to do so.
- Fill out claim forms accurately.
- Meet with the insurance adjuster if needed.
- Keep receipts for repairs or temporary housing.
- Follow up regularly until the claim is settled.
Learn More
Whether you need guidance on securing a policy or filing an insurance claim, Carey Insurance LLC is here to help. Contact us today to get started.