Dwelling and liability coverage are two important aspects of your home insurance. Do you know the difference between them? While dwelling insurance handles damage to the walls, roof, and structure of your home, liability coverage protects your finances in case someone slips and falls on your property or your dog bites the neighbor. Learn more about these essential home insurance components from the knowledgeable team at Peter Laczko Insurance Inc. in Woodstock, GA.

What Is Dwelling Coverage?

Dwelling coverage protects your home’s physical structure and attached structures such as garages. In case of a covered event like a storm or fire, this component of your auto insurance will reimburse you for the cost of repairs, minus the deductible. We often advise clients to include the full replacement cost so they have ample funds to rebuild after an act of vandalism or another event listed in their policy.

What Is Liability Coverage?

If someone falls or gets hurt while on your property, liability coverage can reduce the resulting financial strain. Let’s say someone falls on your icy stairs and takes you to court. With the right liability insurance, you won’t have to worry about related medical expenses or legal fees. Meet with your agent to discuss your coverage options, which may also include liability for your child breaking a window with a poorly aimed ball. 

Combined, dwelling and liability coverage give you a solid foundation when it comes to protecting your home. Speaking to a trusted agent will help you clarify your coverage options. Additionally, a good insurance agent will point out likely scenarios when you’ll need home insurance the most. This will help you prepare for unexpected risks.

Contact Peter Laczko Insurance Inc. in Woodstock, GA, to schedule an appointment with an experienced home insurance agent.