As an Indianapolis, IN homeowner, you can reap a variety of benefits from having homeowners insurance. There are a variety of coverage options available. Different factors are considered to determine your homeowner’s insurance rate, including your location, age, and construction of your home, home liability limits, and a variety of other factors. Here is what you need to know about home insurance coverage options for Indiana residents provided by Irvington Insurance.

Home Insurance Coverage Options for Indiana Homeowners

Indiana residents have a variety of options when it comes to homeowners insurance coverage, including:

• Dwelling
• Contents
• Personal liability
• Medical Payments to others
• Ordinance or law insurance

Dwelling – Dwelling coverage is for your home’s structure. Items included in this coverage are built-in appliances and wall-to-wall carpet.

Contents – Contents coverage is insurance that covers the belongings that are not built into your home or attached to your home, including clothing, furniture, and similar items.

Personal Liability – Personal liability is the coverage that is used if a guest sustains an injury while in your home. This type of coverage also provides coverage if someone damages your belongings.

Medical Payments to Others – Homeowners insurance provides coverage for medical payments to other people when medical or funeral expenses occur. Medical payments are also covered if someone is injured on your property.

Ordinance or Law Insurance – Ordinance or law insurance coverage can help you rebuild your home, so it’s up-to-date on current building codes after a complete covered loss.

Here at Irvington Insurance, we provide insurance coverage for home, life, and auto. We are dedicated to providing our customers with quality customer service and insurance. Contact us to learn more about the insurance solutions we provide. We look forward to hearing from you.

Spring is a time of renewal and rebirth. Get your Indianapolis, IN home ready for the sun with these essential maintenance tips from Irvington Insurance. Besides making your residential property cleaner, safer, and more comfortable, these tasks could also positively impact your homeowner’s insurance premiums and options.

Landscaping

Before you get into the garden for your first spring planting, take some time to look at the trees and shrubbery that line your property. Call a professional service to help you trim back unruly trees that are invading your neighbors’ property, remove large branches that could fall and cause damage, or dead plants that play host to invasive insects.

Foundations

The winter freeze could leave tiny cracks throughout the foundation. Over time, these small fissures can widen and become a big problem. Inspect the edges of your foundation for holes and other damage. Have it taken care of immediately to avoid big structural issues that could trigger an expensive claim.

Roof and Gutters

The time between the spring thaw and the summer heat could leave your roof soaking in a pool of stagnant moisture. This can seep in the creases between tiles and contribute to the breakdown of your roof. Get a good look at the roof and gutters, paying close attention to holes, missing tiles, and soft spots. Clean your gutters and check them for damage as well. Your local handyman can easily fix small issues before they get out of hand.

Basements

Winter gets into your home too. Your basement is one of the most vulnerable parts of your home’s interior. Thoroughly inspect your plumbing and foundation from the inside of the basement for leaks, cracks, mold, and other signs of damage.

Start the new season with a customized home insurance policy that is as fresh as your newly cleaned home. Contact the agents at Irvington Insurance in Indianapolis, IN for a free quote on your residential property.