There are many responsibilities that come with being a homeowner, including protecting your home from damage.

Sometimes you can’t control that damage, but if you have homeowner’s insurance, you can at least protect yourself from some of the costs that come with it.

Josh Smalling of Josh Smalling Roofing and Restoration Co. explains the difference between two common insurance policies, why knowing the difference is important, and how he works to help homeowners when they encounter the unexpected.

THIS SEGMENT IS SPONSORED BY COLLECTIVE ALTERNATIVE.