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Katherind M. Blahut, PLLC
Attorney At Law
Call 1-786-333-4260
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. For more information about what homeowners
insurance covers click here.
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.
Real Estate Law
Real estate law can be particularly confusing to the layman, that’s why I explain
everything about your particular real estate needs in advance, in layman’s terms.
Call me now for a free consultation: 1-786-333-4260
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