If you’re a new homeowner, buying homeowners insurance for the first time can be daunting. If you’re located in Portland, OR, and need homeowners’ insurance, our expert team at H & R Insurance Group LLC is ready to answer all your insurance-related questions. With over 30 years of experience serving local clients, we are prepared to cater to all your insurance needs.
A comprehensive homeowners’ insurance policy typically has six parts. The first type of homeowner’s insurance, Homeowner’s Insurance A, is commonly referred to as dwelling insurance. In the event of your home’s destruction, your dwelling insurance will cover the cost of replacing the home’s structure following a qualifying incident.
Other Types of Insurance
If you’re unable to reside in your home due to damage, you’ll utilize a type of insurance called Loss of Use. Many homes have additional structures on the property, like a garage or gazebo. These structures will be protected under Other Structures Insurance. Your home contains myriad personal belongings that will be safeguarded under Personal Belongings Coverage.
Liability Insurance is essential to cover the expenses of someone injured on your property or iiftheir personal property is damaged. This category of insurance covers you if someone sues you. If they incur injuries on your property, even if it’s not your fault, their medical expenses will be covered under Medical Expenses to Others coverage.
Consult with Us Today
Homeowners in the Portland, OR, area have found our team to be responsive and professional consultants. Our extensive experience can help clarify how different types of homeowners’ insurance relate to your unique situation. At H & R Insurance Group LLC, our licensed agents are eager to talk to you. Call us for an appointment today, and let’s find the right insurance solution for you.
