Everything You Need To Know About Homeowners Insurance

BE SURE that you’re covered with the right homeowners insurance!

Your homeowners insurance protects your home from disaster. Whether mother nature brews up a storm or a burglar targets your residence, your home and all your belongings are covered. However, it’s important to know how you’re covered. All policies have restrictions and limitations. Check out this guide to homeowners insurance to ensure that your home is fully protected.

Home Structure.

Your home’s structure is covered under your home policy. However, keep in mind that there are limits to repairing structural damage. Be sure to look into which disasters are covered and if you need any additional coverage. For example, homeowners insurance policies almost never include flood insurance. You would need to get an additional policy to protect you from any flooding or home water damage.

Personal Belongings.

Your policy gives you a certain amount of coverage for your personal possessions. However, there are limits to the coverage. You’d be surprised how quickly your clothes and furniture adds up. Make sure that you have enough coverage for your belongings and increase your limit if necessary. Additionally, be sure to look into valuable item insurance. Your wedding ring or that priceless painting generally aren’t covered under the general policy.

Liability.

Be sure that you have liability coverage. While most homeowners policies come with some liability insurance, it’s often very limited. Lawsuits aren’t cheap either. Should your dog bite the mail carrier or your teenager egg your neighbor’s home, you could be liable for the damages. That’s where liability coverage comes in. Be sure that you have enough coverage for your lifestyle.

Living Expenses.

Sometimes disaster leaves your home with so damages that you need to move out until it’s repaired. Make sure that you have a policy that will help cover hotel costs and additional living expenses until you can move home.

Ensure that you have the enough homeowners insurance for your home. Duane Weber Insurance, Inc. can help you find the perfect policy! Located in Kent, Washington, we serve all your insurance needs in the community. Contact us for more information.

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