What is the benefit of homeowners insurance?
Homeowners insurance is like a security plan which you hope to never have to use. However, if you come to need it, it can prove to be priceless. Whether it covers natural disasters such as lightning, tornados, and hail storms or other unforeseen disasters like fire, theft and vandalism, homeowners insurance can help you in the worst times get back on your feet and start a normal life again.
Like any good security plan, homeowners insurance needs to be re-evaluated on
at least an annual basis or sooner if any updates have been made to the home. Keeping a log of possessions categorized by room can streamline the claims process in the event of a major loss. We are happy to provide personal inventory booklets to help systematically record items in each room of your home. If you own a number of antiques, art, or firearms it is wise to check with your agent to ensure the full value is covered. Creating a photographic or video record to supplement your inventory list can help document specific details about your items. Keeping an updated record of your possessions will help ensure you receive an insurance settlement that is appropriate to the value of your items lost.
It is imperative to have a homeowners policy that will get you back to “normal” as quickly as possible after a loss. Let us walk you through a comprehensive review of your homeowners policy, so you are ready for the worst without worry.