Ensure Proper Coverage

When you insure your home, you need to make sure you have proper insurance coverage to protect you against the various perils that can damage your property. Being that your home is one of your greatest assets, you want to make sure it is adequately protected. Inadequate protection means that you are putting your very expensive investment on the line, as well as your wallet.

As for the perils that can cause significant damage to your property, they are fire, wind, lightning, smoke, hail, vandalism, theft, aircraft, riots, explosion, and others. Sometimes, the perils that are covered depend upon where you live and what add-ons you have opted for on your policy, which can make choosing proper coverage limits extremely important.


Of course you know that there are dozens of events that can cause damage to your home and the contents within. Some of the most common events are covered in your insurance policy, but there are some that are not and there is reason for this. For example, not all homes are in areas that are susceptible to flood. This means they would not need to have the flood coverage that their insurance policy consists of.

However, there are some homes in an area that is located where floods occur. The homeowners may wish to add flood insurance to their coverage so that they are covered in the instance a flood occurs. Without this coverage, the damage done to the home could be quite extensive and expensive. Flood coverage helps protect against that damage.

The earthquake is another event that needs to be addressed for some. California is a state that tends to have earthquakes, but California is not the only state that has them. Even states such as Ohio have the occasional earthquake, although they are not always strong enough to cause any damage. It is just a matter of time before one does, though. This means someone in Ohio in an area that experiences the occasional tremor may want to cover their home against earthquake damage.

However, you may not have to pay extra for your additional coverage. If your policy has an "exclusion," you may be able to add one peril. Those perils include nuclear hazard, war, damage done due to power failure, floods and water damage, earthquake, condemnation, intentional loss, and any other that your insurance company may list that you can add.

Parts of Your Policy

Liability is the portion of your policy that covers you in case someone is injured on your property. So if you do not shovel your sidewalk when it snows and someone is injured, you have the coverage needed to pay their medical costs. Medical costs are expensive, so make sure you have enough liability coverage to cover it.

Another part of your policy is on the dwelling itself and any structures that are on your property. You can make sure that all structures on your property are covered. You must make sure everything is covered if you have a mortgage anyway, but you can make sure all is protected and that you have enough coverage to replace the cost of your home if need be.

You can also cover personal property, which is usually a certain percentage of the value of the home so that you can replace belongings when they have been damaged or destroyed. You have to have the necessary coverage to make sure you are able to get back on your feet as soon as possible. That is why it is important to have proper homeowner's insurance coverage. The proper coverage also means you are going to have peace of mind.

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