Find the Best Coverage for Your Home
Homeowners Insurance protects the most valuable asset, the home. Many do not consider how much your homeowners policy will help in case of an emergency, a problem where your house sustains damage, or your valuable possessions are damaged. Be sure to have the coverage needed to ‘put things back to the way they were’. And Read Your Policy!
Your home will be protected against the obvious cause of loss which is fire insurance. But as most know, in life things happen that are beyond your control. A broken water pipe that floods your home ruining your furniture is one of those life events. The new refrigerator that didn’t have the icemaker hooked up right and your first floor is full of water-type events are covered under your homeowner policy
There is also the burglary factor. Depending on your deductible, if your possessions are stolen your homeowners policy will help you repurchase your items. Choosing the right deductible for you and your family is something that you should sit down and talk about to an A For The People Insurance specialist. We can help you with creating the right kind of homeowners insurance policy that is perfect for your home and family.
There are other property policies that will help you protect your home. Flood insurance coverage is designed to pay for the repair and replacement of buildings and/or property damaged by
- flood waters whether from excessive rainfall, hurricane storm surges, mudflows, snow melt,
- undermining or collapse of land because of water erosion, a dam bursting, or even an extraordinarily high tide.
As many residents found out, rising water from the street is not covered by your homeowners policies. It requires a special policy provided only by the federal government and provided though our insurance carriers. By talking to A For the People Insurance Agency agents, you will find out if you are entitled to receiving a special preferred rate for homeowners not in flood zones, so that you have the protection at the best available rate possible.
Sitting down with an A For The People Insurance Agency agent will be one way for you to find the best coverage for your home.
The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.