Oncken Insurance Agency, P.C. Blog
The most valuable asset most people will ever own are houses, which is why it's essential to protect them. With home insurance, you can be assured of any harm to your home and property if you ever encounter a breakdown, fire, hurricane, or any other catastrophe. Here are key points to remember in 2021 about home insurance.
Inventory is a Must
One of the easiest ways to make the most of your homeowners or renters insurance is to build and update an inventory of your personal belongings to make it simpler and more convenient to file a claim.
A home inventory is simply a list, along with its approximate financial value, of your personal belongings. In a comfortable, low-tech way, you can create a home inventory by writing down everything in a notebook and storing receipts in a folder. Or you can take advantage of technology to record using a digital camera or smartphone, or app.
Be Sure and Never Assume Your Coverage for Natural Disasters
Insurance policies for homeowners prohibit responsibility for such catastrophes, such as flooding and earthquakes. You will need to improve your home insurance with endorsements or different plans if you live in a disaster-prone region to ensure that you are entirely insured.
It's a good idea to talk with your insurance provider before purchasing another policy or adding an endorsement to your home insurance. That's because natural disaster plans can have nuanced limitations (such as various property category limits), exclusions, and high deductibles.
Review Your Home Insurance Deductibles
Now is an excellent time to review your deductibles if you haven't checked your agreement and some of the adequate information. If you wait until you file a lawsuit, you can discover the hard way that protects your policy. The premium is the amount of money deducted from a claim check for benefits. Special deductibles could also be concealed on the pages of your policy.
In the case of a catastrophe, the home insurance policy covers you from large out-of-pocket expenses. Although you may not assume that damage from a weather-related accident would impact you or a thief would target your house, home insurance is one of the safest ways to protect your belongings from unexpected accidents.
At Oncken Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (281) 256-8310 or Click Here to request a free quote.