Homeowners Insurance in Springdale, AR
Securing your home is not just a matter of locking the door and shutting the windows. At Variety Insurance Agency in Springdale, AR, we help you secure your abode from unexpected financial losses with a homeowners insurance policy, providing peace of mind so you can focus on the things that matter.
What Is Homeowners Insurance? 
Homeowners insurance is a contractual policy between you and an insurance company that offers financial protection against damages or losses to your home and belongings in exchange for the premiums you pay. This policy may include the following coverages:
- Personal liability coverage may help pay for third-party injuries or property damage caused by you or other listed parties on your policy. It may also help cover guest injuries that occur on your property.
- Personal property coverage may help cover the cost of repairing or replacing belongings like furniture and electronics from damage or theft.
- Additional living expenses coverage may help cover temporary living costs if your home is uninhabitable due to a covered peril.
- Dwelling coverage may help pay for repairs or rebuilding of your home’s structure following a covered loss.
What Is the Difference Between Home and Renters Insurance?
While they may seem similar in some ways, home and renters insurance have several distinct differences.
Home insurance typically insures the structure of the home and personal belongings and provides liability protection for homeowners. It may include coverage for the dwelling itself, other structures on the property, personal property and some additional living expenses.
In contrast, renters insurance is designed for tenants. It may cover personal belongings, liability and additional living expenses. It does not cover the building structure itself, but it financially protects personal property and provides liability coverage for accidents or injuries within the rented space.
Learn More
Contact Variety Insurance Agency today to discuss your homeowners insurance needs and get a quote from us. Our knowledgeable team is here to help you understand your options and find the best coverage for you.