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Your Home Matters
Make Sure It’s Covered
Imagine if a disaster struck your home tomorrow. Are you confident your coverage would handle the damages? Major carriers often freeze new policies before a predicted weather event, so being prepared with comprehensive home insurance is essential. When you work with a local agent like me, you can rest easy knowing you have the right protection and a reliable partner when you need it most.
What Does Home Insurance Cover?
Home insurance is your safeguard against many common risks. It’s designed to cover repairs or replacements after unexpected events, minus any deductible. Here’s what you can expect from a comprehensive home insurance plan:
- Property Damage: Protects against events like fire, storms, wind damage, and lightning.
- Liability Coverage: Offers protection if someone is injured on your property, covering medical bills or legal expenses.
- Additional Protections: Coverage can extend to specific risks like dog bites, swimming pools, trampolines, and even manufactured homes.
By choosing an independent agent, you gain access to a wider range of options to help protect what’s most important to you.
Little-Known Facts About Home Insurance
Most homeowners don’t realize that standard policies have gaps in coverage. Here are some things to keep in mind:
Sewer Backup: Most policies exclude sewer backup coverage unless added as an endorsement.
Water Damage Exclusions: Surface water and underground water aren’t typically covered.
Flood Insurance: Not included in most standard policies and often requires separate coverage.
Jewelry Limits: Valuables are only covered up to specific limits without added endorsements.
Replacement Cost vs. Actual Cash Value: To avoid depreciation in claim payouts, consider a policy with replacement cost coverage for personal property.
Who Needs Home Insurance?
Home insurance is essential for a variety of property types, including:
Whether it’s your primary residence or a secondary home, having the right insurance can protect you from life’s unexpected moments.
- Traditional frame and CBS (Concrete Block Structure) homes
- Manufactured and mobile homes
- Condos and townhouses
- Secondary residences and seasonal homes
- Rental properties
Combine Home & Auto Insurance for More Savings
Want to maximize your savings? By bundling your home and auto policies, you could save even more on your insurance premiums. For a quick, no-obligation quote, feel free to reach out anytime.
