You’ve finally saved up enough money to buy your dream home. It might have a white picket fence or it might have a four-car garage — no matter what your dream house looks like, it’s important to protect it.

Though all insurance agencies vary in terms of coverage, policies, costs, and terms, they likely all provide similar coverage for homeowner’s insurance. Typical homeowners’ insurance will cover your home, structures on your property like sheds or garages, your personal property, and even liability.

In your home coverage, insurance can help protect you against unexpected and unfortunate events that could leave you and your family homeless or displaced for any period of time. These events include things like fires, wind, hail, frozen pipelines, and even vandalism.

If you have a garage or deck that is attached to your home, this area of your policy will cover that as well.

As far as separate structures, some individuals choose to purchase another policy for their detached structures. This includes things like a tool shed, a detached garage, or your white picket fence.

Depending on whether or not you are buying or renting your home, whether it’s detached or part of a condo — the ranges for your insurance will vary.

Personal property coverage is also included in most homeowner’s policies, which can help give you peace of mind about your expensive belongings. This coverage helps to cover not only the cost of your home if it is lost or damaged but also your most expensive items inside.

This typically includes things like electronics and jewelry, but can also include clothing, furniture, and other belongings. Your insurance agent will be able to talk you through exactly what’s included in your policy.

Lastly, homeowner’s insurance can also cover liability. This kind of coverage is beneficial in regards to someone else being injured at your home. This insurance will help pay for medical bills of someone hurt at the residence that is covered by homeowner’s insurance. For instance, if you’re in the process of fixing the steps on the front porch, but the mailman trips and is hurt, your insurance policy can help pay for his medical bills.

Larsen Flynn Insurance, Inc. is an independently owned and locally operated insurance agency that understands what it’s like to want to protect the things most important to you. If you’re interested in a policy that covers your home, your garage, and everything in between, contact us today at 503-873-8631. We can’t wait to help you find the perfect policy for one of your prized possessions.

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