Coverage That Keeps You and Your Home Safe Home insurance helps protect your house, your family, and your future.

What Does Home Insurance Cover?

• Dwelling Coverage
  Protects the structure of your home, including walls, roof, and built-in appliances, against covered perils.
• Personal Property
  Covers your belongings such as furniture, electronics, clothing, and valuables if damaged, stolen, or destroyed.
• Liability Protection
  Protects you if someone is injured on your property or if you accidentally cause damage to others’ property.
• Additional Living Expenses
  Pays for temporary housing and living costs if your home is uninhabitable due to a covered loss.
• Other Structures
  Coverage for detached garages, sheds, fences, and other structures on your property.

Common Covered Perils:

• Fire and smoke damage
• Theft and vandalism
• Windstorm and hail damage
• Lightning strikes
• Water damage from burst pipes (varies by policy)
• Falling objects (like trees)
• Liability claims

Why You Need Home Insurance

• Protect Your Investment: Your home is likely your largest asset. Home insurance helps protect it from costly damage and loss.
• Peace of Mind: Enjoy the security of knowing you’re covered against many common risks.
• Legal Requirement for Mortgages: Most lenders require homeowners insurance before approving a mortgage.
• Liability Coverage: Protects you from financial loss if someone is hurt on your property.

Customize Your Coverage

Every home and homeowner is unique. At Geebu Insurance Agency, we’ll review your needs and recommend coverage options, including:

• Replacement cost vs. actual cash value
• Personal property endorsements
• Flood and earthquake insurance (available separately)
• Identity theft protection
• Umbrella liability policies