What Does My Homeowners Policy Cover?
As a homeowner, you probably think you have a good idea of what is covered and not covered in your homeowner’s policy. But, if you are like many homeowners, most don’t thoroughly review what their Homeowners Policy actually covers. Many will briefly look the policy over and make sure key items are covered such as fire and theft but miss other coverages that should be added to their policies.
Just like how cars can differ in features from one manufacturer to the next, insurance policies can offer different coverages and limits. It is important to review what specific coverages you need for your specific situation. Some of the coverages to review are:
• Replacement Cost for the Dwelling and Contents • Jewelry and Fur Coverage • Firearm Coverage • Valuable Collections Coverage such as Coins or Stamps • Business Operations at your Home • Earthquake or Flood Coverage • Loss Of Use Coverage for Living Expenses after a Claim • Clean Up or Debris Removal • Identity Theft • Falling Objects • Unauthorized use of Credit Cards
As an independent insurance agency, we have access to a variety of companies and can find a tailored fit to your specific needs and situation. Please contact us today for a quote.