A homeowners insurance is required for all homeowners with a mortgage. As a matter of fact, mortgage companies will not issue a mortgage without proof of a homeowners insurance. A homeowners insurance is not a one-size-fits all. It is important to understand what it covers and what it excludes, so you as a homeowner can include additional coverage if needed.
A homeowners insurance is meant to cover these 4 broad areas:
- Interior damage to your home.
- Exterior or structural damage to your home.
- Loss and damage of personal belongings and assets.
- Personal injury to anyone while they are on your property, which in many cases have resulted in legal action.
In short, any damage or injury resulting from fire, accidents, theft, vandalism, water damage from broken pipes, wind, rain, snow, hurricanes and tornadoes etc. are covered. Even unexpected living and relocation expenses as a result of damages to your home are covered.
A homeowners insurance does however have limitations. It does not cover home systems and appliances inside and outside your home. Those require a separate home warranty, which typically is written during the escrow process of buying a new home. A home warranty is however not required. Also not covered is damage caused by “Acts of God” and “Acts of War”, which include natural disasters such as earthquakes, slides and floods. We can get you protected from natural disasters such as earthquake and floods with insurance policies as well.
At Crusberg-Decker Insurance Services, we will work with you to get you the right insurance and liability limits, deductibles and insurance add-ons to give you sufficient coverage for you and your family to maintain your lifestyle if and when the unexpected happens. Contact us at 800.640.1712 or fill out the form on this page to learn more.
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