Does Your Home Insurance Cover Everything?

When you suffer damage to, (or the loss of), your home or its contents, you

expect your insurance company to help you out. And, most do a good job of

doing just that.

Still, it’s a good idea to review your policy with your insurance advisor and

find out what’s covered and what isn’t. You don’t want to discover that your

policy will not cover the cost of repairing the damage caused by a flood in

your laundry room.

Pay particular attention to coverage in the case of water damage. Some

insurance policies don’t cover floods and sewer backup unless an additional

rider is purchased.

Also, check liability limits. Ask your advisor to recommend an appropriate

level. Finally, make sure you know exactly how much your home is insured

for. Are you covered for the full replacement cost? Are you comfortable with

that coverage or the actual cash value?

Having the right insurance gives you peace-of-mind and is an important part

of enjoying your home.

Keep in mind that experts advise you to review your insurance with your

advisor. Ask lots of questions. Make sure you understand your coverage


By the way, if you’re looking for an insurance advisor, I’m well-connected in

the local “home” industry. I may be able to give you a couple of names of

good, reputable professionals. Give me a call.

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