Home Insurance in Mississippi

Home insurance offers various policies that protect you from numerous hazards, making it an essential coverage for homeowners in Mississippi. A few coverage features that come with this insurance include liability protection when you encounter lawsuits and content coverage that keeps your house safe from covered disasters. Below, Sprout Insurance details what Mississippi homeowners can expect from their policy.

Content Coverage

Content coverage takes care of your personal belongings when you encounter fire, theft, or vandalism. Examples of items covered are electronics, clothes, and furniture. Belongings such as expensive art and jewelry will not be protected by this policy and will often require extra coverage.

Liability Coverage

Liability coverage will come in handy when you encounter bodily injury liability or property damage liability. If guests get injured due to pet bites, falls, or trip accidents, liability coverage will help pay for the medical bills. These can include x-ray costs, prescription fees, and consultation fees. If your visitors' property gets damaged in your home, this policy will help offset the ensuing repair or replacement expenses.

Building Insurance

Building insurance protects the structure of your building when covered perils destroy it. These include fire, hail, or lighting. If any of these cause damage to your home, building insurance will help pay for the expenses needed to rebuild your home. Detached structures such as garages are also covered, eliminating additional costs that you are likely to incur.

Additional Living Expenses Coverage

Additional living expenses coverage will help take care of your living costs when your home is deemed uninhabitable due to fire or hail disasters. This allows you to get compensation for travel costs, hotel expenses, and restaurant meals until your home is fixed.

Home insurance is crucial for all individuals and should be on your list. Consider reaching out to Sprout Insurance today if you need help navigating the above-listed home policies. Our Mississippi agents will help you get customized coverage suited to Tupelo or Nettleton, MS property needs.