Call Us 559-320-2247 ☰ ˟
Logo

Call Us 559-320-2247 Agency License #0F00726


PayPal

“PAYMENTS IN PERSON, BY PHONE OR
EMAIL, PLEASE CALL, ASK FOR DIANA”

  • Our Agency
    • AboutImage of right arrow
      • Employee Directory
      • Location(s)
    • Get A Quote
    • Our Providers
  • Quotes
    • Auto Quote Form (short)
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Builders Risk
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm Quote Request
    • Flood Quote Request
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
  • Products
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Specialty Auto Insurance
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
    • Farm InsuranceImage of right arrow
      • Farm Owners Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Flood InsuranceImage of right arrow
      • Flood
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Supplemental Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Construction Insurance
      • Specialty Trade Contractors Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Media & Advertising Insurance
      • Pool & Spa Insurance
      • Real Estate Businesses Insurance
      • Self-Storage Insurance
      • Technology Services Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Workers Compensation
      • Professional Liability
      • Performance Bonds
      • Surety Bonds
      • Inland Marine Insurance
      • Builders Risk Insurance
      • Business Owners Policy (BOP)
      • Commercial General Liability
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Restaurant Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Employer-Sponsored Retirement
      • Group Benefits
      • Voluntary Benefits
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Contact Us
Home > Blog > Review Your Home Insurance In Case it Has Exclusions
WEDNESDAY, JULY 6, 2022

Review Your Home Insurance In Case it Has Exclusions

When you buy a home, your next step should be to insure it. After all, by buying coverage, you’ll receive protection against multiple losses that might only prove inconvenient but also expensive. However, it’s important for every homeowner to buy the policy that is most specific to their property.a house with a lawn in front of a brick building

You’ll need to choose coverage that can adapt with you to any changes you make to the property while you live there. However, all homeowners insurance will include limitations and exclusions that might not make it fully protective of every risk you want to cover. Always review your policy and ask yourself a few questions about the policy you select. This will help you make sure you have the right policy.

Does the policy cover remodeling?

Any change you make to your home might change its value. Therefore, you might need more money to help you recover from property damage or other losses. As you plan to make changes in your home, you will need to update your property coverage to include this additional value. Should you have to make a claim, you want to have the ability to fully repair your home from the ground up, if necessary.

Have I bought new possessions?

Homeowners policies will include coverage for the contents of your home. However, as you buy new or unique possessions, then the value of your contents will increase.

To update your homeowners coverage to address this risk, you might need to take a couple of steps. First, you should consider increasing your overall possessions coverage limit to include the value of new items. If necessary, you should also buy scheduled item riders to include specific coverage for particularly unique belongings such as jewelry, art or collectibles.

What Exclusions Are on the Policy?

Nearly all homeowners policies will exclude certain types of claims. For example:

·        Most policies exclude flood damage, and to get coverage, you will have to buy a separate flood insurance policy.

·        Other policies might cover earthquakes, terrorist acts or falling objects.

·        Your policy will never pay for damage from normal wear & tear.

If you live in an area that is prone to certain types of losses, then you should ask your home insurer how you can best augment your coverage to your benefit. They can work with you to expand your standard coverage or help you enroll in a separate policy.

How Much Liability Insurance Is Available?

Nearly all homeowners policies will include liability coverage. It will help you respond to claims made by third parties who claim that you mistakenly or negligently harmed them.

While most policies will include expansive liability coverage, the limits still might be less than you want. Therefore, you might choose to buy expanded liability coverage or a separate umbrella liability policy. Your coverage should match your present level of risk, which might change over the years.

Posted 8:27 AM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(4)
  • business(3)
  • life insurance(3)
  • auto insurance(2)
  • farm insurance(2)
  • coverage(2)
  • policy(2)
  • workers compensation(1)
  • bonds(1)
  • homeowners(1)
  • health insurance(1)
  • renters insurance(1)
  • ranch(1)
  • owners(1)
  • dental insurance(1)
  • vision insurance(1)
  • bop(1)
  • contractors insurance(1)
  • commercial(1)
  • crop(1)
  • farm(1)
  • workers compensation insurance(1)
  • agriculture(1)
  • home insurance(1)
  • contractor insurance(1)
  • homeowners insurance(1)
  • business insurance(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
2520 W Shaw Lane, Ste 104 | Fresno, CA 93711
Phone: 559-320-2247 | Fax: 559-320-0299
Social Social
Logo

Powered by Insurance Website Builder