Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. (Maintenance-related problems are the homeowner's responsibility.)
Note: Homeowners insurance is meant to cover unexpected damage, not routine maintenance.
Finding the right fit.
Review what is covered by your policy and what's not. As you look at your coverage, consider how much it would cost to rebuild your house and replace your belongings if they are damaged or destroyed. Ask Rentz Agency to talk you through your home's features and the things you own so you can make an informed decision about coverage.
And don't forget to review your policy if there are changes to your home!
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