Which Home Insurance Coverages Should Parents Focus On?

As a parent, your children influence most of your decisions. You need to go the extra mile to make sure they’re safe and living in a great environment. That means buying insurance that focuses on their safety, such as home insurance. At AIA Insurance of Wisconsin, we advise parents to get the most comprehensive home insurance they can find. 

You can never really predict what may go wrong when your kids are at home, school, or any other place in Green Bay, WI. The good news is that home insurance comes with many primary coverages that help keep your children out of trouble or danger. You can also go for optional coverages, which vary from one insurance company to another. Let’s look at some of them.

Property Damage Liability

This coverage pays for damages that your children might cause on other people, such as breaking their windows while playing. The coverage also pays legal fees if you are sued for these damages.

Bodily Injury Liability

This liability coverage pays medical bills or legal fees if another person gets injured on your property and sues you for the injuries. It doesn’t matter whether they got injured in an accident or your children caused the injuries. 

Additional Living Expenses

Additional living expenses provide your family with a temporary living arrangement in case your home becomes inhabitable due to perils like fire. 

Personal Property Coverage

This coverage helps compensate for damaged or stolen items. It’s broader and more versatile as it can pay for your child’s laptop and other belongings when they are stolen or damaged accidentally in school and other areas.

Home insurance is a must-have for every parent in Green Bay, WI. If it’s your first time buying the policy, AIA Insurance of Wisconsin can help you through the process. Feel free to contact us for more information, queries, or new policy discussions.