Homeowners’ insurance is a package policy. One part of the package includes protection for damage to your home, other structures on the property, and personal property. Personal property is all of the belongings in the home. In order for the insurance to pay for a loss/claim, a deductible that the homeowner pays must be met first.

The other part of the package is personal liability protection. Liability provides coverage for the insured and his/her immediate family for personal activities both on and away from premises that result in injury or property damage to another person (2007, Tadlock, CIC: Personal Residential Coverages). There is no deductible that the homeowner has to pay for liability losses/claims.

Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Homeowners’ insurance offered in Northwestern Wisconsin.