Pave the way to success with no-gap, no-missing coverage homeowners insurance.
Insurers say it a lot, but it’s important to get the right policy and to make sure that you have the right coverage. One of the biggest issues for people in obtaining the right coverage is that it can be difficult to navigate a homeowners insurance policy.
Every homeowner knows the basics of home insurance, such as coverage for fire, theft, and natural disasters, coverage for your belongings, and even liability coverage.
Here’s what your homeowners insurance may be missing:
Home Business: The line between home insurance and business insurance can get blurry when you work from home. Typically, home insurance covers only minor losses such as damage or theft of home office equipment. Purchasing separate business insurance is the best way to guarantee proper coverage.
Rebuilding: If your home is destroyed, will your home insurance cover your home to be entirely rebuilt? Check your policy to determine if your home is completely covered for getting repaired and restored after a disaster – as the answer may surprise you.
Pets: While you may love your pooch, certain dog breeds are not covered by homeowners insurance. Dog bites account for more than one-third of liability claims, and as a result, some four-legged friends are not protected by policies.
Natural Disasters: While most natural disasters, such as tornadoes and hailstorms, are covered by policies, flood and earthquake damages are commonly excluded. Since either of these issues can happen at any time and can cause ruin to your home, belongings, and finances within minutes, it’s essential to get coverage before it’s too late!
High-Value Items: Many musical instruments, expensive jewelry, golfing equipment, and expensive electrical equipment are excluded in standard homeowners insurance limits, leaving your most precious items vulnerable to damage or theft. Total up the value and call your agent to determine if you require a separate ride or policy to guarantee full replacement cost.
You don’t have to face the search for the right insurance alone. For the protection that your high-valuables, pets, and home need and deserve, contact the industry experts at Nahai Insurance Services for the right homeowners insurance for you!