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
Whole Life Insurance: Is it a Worthwhile Investment?
Confused about whole life insurance as an investment? We break down the unique benefits beyond a simple payout.
More Than Just a Car: The Joys and Benefits of Owning a Classic Vehicle
Thinking of buying a classic car? Discover why it can be a great investment and a fulfilling hobby.
Flood Insurance 101: Separating Fact from Fiction
Don’t get caught unprepared. This guide answers your top questions about flood insurance.
Decoding the Past: The Origins Behind Common and Curious Sayings
Unlock the hidden stories behind everyday phrases and discover the surprising origins of familiar sayings.
Essential Foundations: Five Things Your Small Business Needs Today
Setting up for success? Here are five non-negotiable elements for your modern small business.
Confronting Your Fears: Practical Steps Towards a Fearless Life
Tired of being held back by fear? Discover actionable techniques to confront and conquer your anxieties.
Lending Your Keys: The Hidden Risks of Borrowing Your Car
Borrowing your car? Understand the hidden insurance implications before you say yes.
The Shifting Sands of Homeownership: What Happened to the Starter Home?
The starter home is fading away. Discover the factors reshaping the first-time homebuyer’s journey.
Six Men Who Captured Hearts: Universally Loved Figures in American Culture
Explore six beloved men in American popular culture.
The Uninsured Gap: Why Small Businesses Are Missing Crucial Protection
Why small businesses need more insurance.