Once you understand some reasons why homeowners insurance is so important, you will see why you won't want to risk not carrying it. Here are three main things to know about homeowners insurance that can help open your eyes to why you want to make sure your home is always covered: 

1: Know your home is always protected

When you carry homeowners insurance, you can rest assured that your home will be covered if something happens to it that could end up putting you in a bad situation. Without homeowners insurance, if something were to happen to your home that damages or destroys it, you would need to come up with the money to have the home repaired or even rebuilt on your own. If you aren't able to come up with that money, then you may find yourself living in hazardous conditions or possibly being without a home to live in at all. Some examples of things that can happen that could put you in these positions can include the home catching on fire, the home having water damage due to a broken plumbing pipe, or the home being damaged by an earthquake. 

2: Know your belongings are protected

Your home isn't the only thing that's protected with homeowners insurance. When you have a homeowners policy, the belongings in your home will also be covered. This means when they are damaged, lost, or stolen, you will be able to have them replaced. Your furniture, appliances, electronics, clothing, decor, jewelry, and other personal belongings will be covered by your policy. You do want to make sure you have a clear understanding of the amount of coverage you can expect because different providers and policies can offer different percentages of coverage. Also, items on the property will be covered as well, such as bicycles outside or lawn equipment in the garden shed. 

3: Know you will be covered in other ways

When something happens to your home, you may not be able to stay there, and this can put you out in a number of ways. You may have to rent a hotel for a few weeks, or you may even have to rent an apartment for a few months. Also, your belongings may need to be replaced, including everything from your personal hygiene items to your clothing and work uniforms. These are just some of the things that will also be covered with your homeowners insurance policy.

Contact an insurance agent to learn more about homeowners insurance