We all know bad things happen to good folks. The question is, when that time comes, will you have your homeowner insurance policy at the ready to step in and protect you from the financial and emotional pitfalls these types of situations can bring?
Homeowners insurance is quite versatile. Its coverage protects you in case a natural disaster causes damage to your home, but it can also cover you if someone gets injured on your property. Take a look at some of the most common reasons that homeowners have to file a claim:
As a homeowner, you are responsible for carrying liability protection for visitors in case of an accident that causes bodily injury on your property. These types of claims include pool related accidents, dog bites, and trampoline injuries, and slip-and-falls.
More often than ever before, straight line winds and tornados are causing substantial damages. Although these storms may only cause exterior damage to your home, repairs are necessary to prevent future losses and can be very expensive.
Homeowners can file claims for structural damage as well as personal property damaged in a fire.
Probably the most common homeowners claim, water damage is usually caused by sump pumps overflowing or bursting water heaters. Remember, your homeowners insurance isn’t a flood policy, but it can provide coverage for certain types of water damage.
Do you question whether you’ve got the right homeowners coverage in place? If so, contact your local insurance agent or service staff to review your situation. We’re here to save you a headache come claim time!