Love Your Home, Love Your Coverage: Smart Tips for Homeowners

Imagine this: your dream home suffers a flood, a prized heirloom vanishes, or termites silently feast on your foundation. Now imagine the horror of discovering your insurance doesn’t cover it. Unfortunately, this happens more often than you think. Homeowners’ insurance offers peace of mind, but it’s not always a magic shield. Here are 3 sneaky surprises many policies hold:

Flood Waters: A Separate Storm Altogether:

Think your standard insurance will protect you from a gushing basement? Think again! Floods require separate flood insurance through FEMA. No last-minute rescues here – there’s a 30-day waiting period after purchase. Don’t wait until the rain starts pouring – talk to your agent about flood coverage and understand the difference between water damage and a full-blown flood.

Jewelry: Tiny Treasures, Big Exclusions:

While your policy might cover stolen jewels, the limits are often shockingly low. A $1,000 cap won’t replace your precious engagement ring! Don’t underestimate your family’s collection – over time, that sentimental jewelry box can hold significant value. Luckily, increasing these limits is often affordable, so chat with your agent and ensure your treasures are truly protected.

Termites: The Silent Homewreckers:

Remember “maintenance is key”? Your insurance does too! If termites munch their way through your foundation due to neglected inspections, you’ll be left footing the bill. Homeowners’ insurance expects proactive termite prevention, not post-apocalyptic repairs. Regular inspections and timely treatments are your allies against these unwelcome guests.

These are just a few examples, but the message is clear: knowledge is power (and saves money!) Don’t wait for disaster to strike. Contact us today for a free, no-obligation review of your homeowners’ insurance. Let’s get you the coverage you deserve and avoid any nasty surprises lurking in the fine print. Remember, your home is your haven – make sure it’s truly protected from unexpected storms, both literal and metaphorical.