Home Insurance

Home insurance is designed to make sure your home and belongings are protected from insured events and perils. It can cover liability claims with guests and replace your belongings in the event of a fire. There is a long list of advantages to obtaining a home insurance policy, but there is also a long list of options as well. ORION Insurance & Financial Services LLC can help you get any of the following options in New Mexico.

What are your home insurance coverage options?

Personal property

This coverage option pays the cost to replace your personal belongings if they are destroyed by an insured peril. Also, it covers the cost of replacement if such items are stolen.

Home structure

This coverage option insures your house if it is damaged by fire or any other insured risks. The coverage pays the costs to repair your house and make it habitable again.

Secondary structures

Detached structures such as garages and storage units are covered under this option. The coverage meets the costs to repair such units in the event they are destroyed by an insured hazard.

Additional living expenses

Sometimes after an insured risk, such as fire, your home can be rendered unsafe to live in until repairs are carried out. This coverage option covers such expenses, which include accommodation and food costs, until your home is back to its original state.

Medical costs coverage

Medical expenses for people injured in your home at the time of a peril can take a toll on you. This coverage option seeks to bridge that gap by paying the medical bills for people injured in your home.

Personal Liability

In some instances, the injured party can sue you for damages. Personal liability coverage meets your litigation costs and pays damages if you are found responsible for the injuries.

Home insurance in New Mexico

ORION Insurance & Financial Services LLC has flexible home insurance coverage options. Contact us today and speak to one of our agents for more information. Also, visit our website for a quote online. We look forward to working with you.