Why Do I Need Home Insurance in Madison, MS?

Whether you’re a young couple buying your first house or a homeowner who’s paid off the mortgage, home insurance can protect your property in Madison, MS. Without insurance, you will have to pay for damages due to a covered event such as a fire or vandalism. In other cases, your homeowners’ association or mortgage lender may require proof of insurance.

At Hawsey Insurance, we can help you map out your home insurance needs and secure the right coverage at an affordable price. Keep in mind that you may also need other types of insurance to protect your property. For example, many homes in Mississippi are built on flood zones. We can help you determine whether you need to buy flood insurance, which is governed by the National Flood Insurance Program (NFIP).

Home Insurance Protects More than Your House

A standard home insurance policy protects the physical structure of your house, other structures on the property, and your personal belongings. Many home policies also cover medical bills if someone gets hurt while on your property.

Typical home insurance in Madison, MS, includes:

  • Dwelling coverage. This coverage pays for damage to decks, garages, and other structures attached to your house.
  • Other structures coverage. If you have a fence, shed, or other structures on your property, this coverage pays for repairs or replacement costs for damage caused by covered perils.
  • Personal property coverage. Furniture, jewelry, electronics and other personal belongings stolen by thieves can set you back thousands of dollars. Personal property coverage protects your belongings in the case of theft and other covered events.
  • Personal liability coverage. If a member of your household accidentally injures someone or damages their property, liability coverage can reimburse you for related legal fees, repair costs and medical bills.
  • Guest medical protection. This coverage pays for medical bills if someone is injured on your property.
  • Additional living expenses coverage. If you are unable to stay in your home due to damage from a covered event, your home insurance may pay for hotel bills or other temporary living costs.

When you invest in home insurance for your property, you protect your house, belongings, guests, and family. Having a financial safety net can save you thousands of dollars if a storm or other crisis wreaks havoc on your home. Contact one of our knowledgeable insurance agents for more information on home, auto, and commercial insurance today.

At Hawsey Insurance, we connect homeowners with reputable insurance carriers for comprehensive home insurance in Madison, MS, and throughout Mississippi and the surrounding states. Call 601-856-7707 to get a free quote today.