Ensure that you have the right home insurance coverage!
Your homeowners insurance gives you peace of mind that your home and family are protected. However, it can be difficult to ensure that you’re getting the coverage that you need. When it comes to your homeowners insurance, make sure you’ve covered all your bases. Check out this guide to your home insurance coverage.
Home Coverage Checklist
- Home Structure. Your insurance should give you coverage for the structure of your home as well as attached structures such as your garage or carport. If your home sustains damage due to a disaster, your policy fixes it. Just keep in mind, however, that not all disasters are covered by homeowners insurance. Any flooding or water damage and regular wear and tear are not covered.
- Personal Belongings. Ensure that your policy gives you enough coverage for your personal belongings. If you had to replace the contents of your home, the cost could add up. Ensure that your policy limit is high enough for your personal property. If you need a little extra coverage, be sure to take out an additional personal property policy.
- Lawsuits. Lawsuits are more common nowadays. Should your friend slip on your rug or should your dog bite your neighbor, you could be liable for injury and damages. Be sure that your homeowners insurance gives you adequate coverage. If you think you might need more coverage, look into an umbrella policy.
- Living Expenses. In the event of a disaster, you may not be able to live at home. You may need to temporarily relocate while your home is repaired. Ensure that your homeowners policy will pay for your living expenses while your home is repaired. However, keep in mind that different policies give you different coverage.
Before you commit to a homeowners insurance policy, make sure that it gives you all the coverage that you need. The professionals at Phocus Insurance can find you the best policies for your needs. Located in Phoenix, Arizona we serve all your personal and commercial insurance needs. Contact us for more information.
