Love Your Home, Love Your Coverage: Smart Tips for Homeowners
Love Your Home, Love Your Coverage: Smart Tips for Homeowners
Imagine this: your dream home suffers a flood, a prized heirloom vanishes, or termites silently feast on your foundation. Now imagine the horror of discovering your insurance doesn’t cover it. Unfortunately, this happens more often than you think. Homeowners’ insurance offers peace of mind, but it’s not always a magic shield. Here are 3 sneaky surprises many policies hold:
- Flood Waters: A Separate Storm Altogether:
Think your standard insurance will protect you from a gushing basement? Think again! Floods require separate flood insurance through FEMA. No last-minute rescues here – there’s a 30-day waiting period after purchase. Don’t wait until the rain starts pouring – talk to your agent about flood coverage and understand the difference between water damage and a full-blown flood.
- Jewelry: Tiny Treasures, Big Exclusions:
While your policy might cover stolen jewels, the limits are often shockingly low. A $1,000 cap won’t replace your precious engagement ring! Don’t underestimate your family’s collection – over time, that sentimental jewelry box can hold significant value. Luckily, increasing these limits is often affordable, so chat with your agent and ensure your treasures are truly protected.
- Termites: The Silent Homewreckers:
Remember “maintenance is key”? Your insurance does too! If termites munch their way through your foundation due to neglected inspections, you’ll be left footing the bill. Homeowners’ insurance expects proactive termite prevention, not post-apocalyptic repairs. Regular inspections and timely treatments are your allies against these unwelcome guests.
These are just a few examples, but the message is clear: knowledge is power (and saves money!) Don’t wait for disaster to strike. Contact us today for a free, no-obligation review of your homeowners’ insurance. Let’s get you the coverage you deserve and avoid any nasty surprises lurking in the fine print. Remember, your home is your haven – make sure it’s truly protected from unexpected storms, both literal and metaphorical.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Steering Your Savings: Taking Control of Your Car Insurance Rates
You’re in the driver’s seat! Learn how your credit, driving habits, vehicle choice, and smart shopping can lower your car insurance costs.
Underfoot Upgrade: Transforming Your Garage Floor from Forgotten to Fantastic
Don’t ignore your garage floor! Discover easy and impactful ways to upgrade this often-neglected area of your home.
Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog
Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.
The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success
Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.
Navigating the Grandparenting Journey: Understanding Today’s Families
Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.
Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks
The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.
Neighborly Navigations: Resolving Disputes in Non-HOA Communities
No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.