Health & Fitness
Home Insurance
During the holiday season we purchase so many big ticket items... is that covered by your home insurance policy?
Home Insurance is so easy yet complex at the same time. I have been in the insurance business for a very long time now…. Yet I am surprised on what people assume that their Home Insurance Policy covers.
In every policy there is Personal Property coverage. That means that all your personal belongings are covered. Like everything else there are limits and exclusions. This is where you insurance agent comes in. Every year it is recommended (at least in our office) to sit down with your agent and go over your policies. The last thing you want, is to find out what is excluded at the time of a loss or claim. Keep in mind that if you own a car, yes it’s your personal property, but that requires its own policy. It isn’t covered by your homeowner’s policy, not even if it’s sitting on your driveway or not being driven.
During the holiday season we get so caught up in purchasing large expensive electronics and or jewelry. Please take some time to list those items in your policy your premium might increase but you will be thankful later!!!
