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Living Room of Large HomeMany homeowners understand the importance of having home insurance for protection, but how much do you really understand about the coverage listed on your policy? Let's break down the three main components of home insurance.
  • Property Coverage: This protects the structure of your home, along with unattached garages, sheds or other buildings on your property.
  • Contents Coverage: This protects all of the personal belongings that turn your house into a home, such as furniture, kitchen appliances, artwork and clothing.
  • Liability Coverage: This protects the interests of guests, neighbors and other third parties who may suffer an injury or property damages that you're responsible for.
Most home insurance policies include these basic coverage options, but coverage limits can vary widely. You may find that your contents coverage is not enough to protect the overall value of your belongings. Other times, certain high-dollar collections and assets may be excluded from basic coverage.

In these instances, you'll need to add a personal property floater to your policy to gain protection for those assets. Some common assets that may need this additional floater include high-end jewelry, musical instruments, fine china collections, electronic equipment and specialty sporting equipment.

By adding a floater to your policy, you ensure that these items are specifically listed on your policy, including their estimated values. Floaters take the guesswork out of your coverage. Without a floater, a loss of a valuable asset may be excluded from standard coverage. But with a floater, you can be compensated for your loss with more efficiency.

Our qualified agents can help you assess your coverage needs, along with finding an appropriate policy on your behalf. We'll work hard to find you coverage that offers both ample coverage and meets your budget.

Get started today. Call TCU Insurance Agency at (800) 772-8043 for a home insurance quote.
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Mishawaka, IN 46544

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