Everything Your Homeowners Insurance Policy

Covers

Your homeowners insurance policy can not only protect your house but also many other crucial aspects of your life. A good homeowners insurance policy can safeguard you by taking care of the following: Primary dwelling Imagining a day when something happens to your beloved house may be the last thing you want to do, but the harsh truth is that nature and other elements may not always act in your favor. Fortunately, with the help of your homeowners insurance, you can be sure that you will be protected if some unexpected event occurs and your house takes a blow. Note that, apart from safeguarding your primary residence, dwelling protection is also going to cover any deck, garage, and other similar structure that may be attached to it. Secondary structures Have a garage that is detached from your main abode, or a tool shed that stands alone? Do not worry! Your insurance is very likely to cover all the secondary structures that exist near your house, too. Personal belongings A typical homeowners insurance policy vows to protect the belongings present inside your house. To avail the same benefit, you just need to have a basic idea regarding which of the belongings inside your house cost the most and inform your agent about the same. Making a list of every single thing inside the house is neither necessary nor recommended! Bear in mind, however, that trying to protect too many very expensive personal belongings may significantly raise your insurance premium amount. But then again, your belongings will be covered for whether they get damaged, lost, or stolen, so paying a higher premium may be worth it in the long run. These days, it is very much possible to keep track of your valuables using certain digital services, too. One good example is Allstate Digital Locker. Also, it is vital that you check the dollar limit for each personal item you wish to protect. In case the limit for a certain item seems too low, it may be best to talk to your agent about the same to find a way to raise it. Natural disasters Chances are that your homeowners insurance policy will protect your interests in case natural disasters like hailstorms, lightning strikes, unfortunate fires, and others occur. Having said that, keep in mind that most homeowners policies shy away from shielding you against floods and earthquakes. If that is the case with your policy, it may be a good idea to additionally opt for a policy that protects you specifically against those odds. Bodily injuries An unfortunate event may injure people present inside your house, faulting you and holding you responsible for piles of medical bills and, sometimes, enormous amounts of attorney fees against a lawsuit. Your homeowners insurance policy can save you by taking care of all the bills and fees for you, regardless of whether that comes from someone slipping on the porch stairs or from falling on the kitchen linoleum. Before opting for a policy, make sure that you understand the kinds of coverage your chosen policy provides, and its replacement cost VS actual cash value. For more information about what homeowners insurance covers click here.

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Katherine M. Blahut, PLLC

Katherine Blahut has been a board certified real estate lawyer for more than 15 years. She can handle any and all of your real estate needs. You can call her at: 1-786-333-4260