Homeowners Insurance, Manufactured Home Insurance, & Renters Insurance

Whether you own a home or rent one, you may want to consider getting home insurance. While some may assume it's a waste of time, home insurance coverage is a powerful resource when perils like hail, fire, and theft strike. Instead of learning the hard way, why not let Jackson & Iverson Insurance ensure you're prepared if the worst happens? Consider this coverage to protect your home.

Dwelling Coverage

Dwelling coverage protects your home structure, including built-in appliances and wall-to-wall carpet. The word 'dwelling' includes your home's complete structure alongside other attached structures like the tool shed, cellar, attached garage, and gazebo. Your home insurance will help build or repair your home if perils like fire damage it.

Personal Property Coverage

This policy in Montana covers the personal items inside your home, like electronics, furniture, sports equipment, and clothes. However, certain rules apply to valuable items like jewelry, silverware, and fur. If you want to insure these items fully, get a separate policy to ensure you're compensated if they're damaged or stolen.

Liability Coverage

If a guest is injured in your home or their property is damaged, this policy will cover the resulting expenses. This may include the injured party's medical expenses, loss of income, pain and suffering, and other damage.

Loss of Use Coverage

If you need to move out of your home temporarily because of a fire, storm, or any other insured risk, this policy will compensate you for the extra living and housing expenses that come up. For instance, if your home is being repaired and you have to stay at a hotel, the policy will pay for your transport and accommodation fees.

If you're ready to purchase home insurance in Montana to enjoy these benefits, call us at Jackson & Iverson Insurance. We will explain further the benefits of these coverage options and help you choose a suitable one.