When you’re a homeowner, you have a lot to protect. Your homeowner’s policy helps protect your property and possessions if an accident happens. Be sure to review your property coverages and insure your home for reconstruction costs. Have you agent provide you with a replacement cost estimate.
Your homeowners policy will also provide help if a guest is hurt while visiting you or in certain legal situations—this is called liability coverage. Your property coverage is limited by your home itself, and your liability has a flat limit that can only go so high. If you have much to lose, that limit may not be enough. In todays legal environment, million dollar lawsuits are very common. What is your liability coverage limit on your policy? To purchase higher limits, that’s where Umbrella insurance, also called excess liability, comes in. This crucial policy sits on top of your regular coverage and helps pick up the extra coverage when your lower limits are insufficient to cover a serious claim.
Are you curious how Umbrella Insurance is so important and surprisingly affordable? Contact us https://www.insurance-financial.net/personal-umbrella-insurance/ and send a message, and we’ll find a solution that can help cover your life, rain or shine.
🚩 Red Flags for Homeowners Insurance 🏠
Raise your hand if you’ve had your homeowners insurance for years. 🙋♂️🙋♀️ Good for you! Most people think their homeowners’ policy works no matter what. But does it? 🤔
There are red flags that agents look for when it comes to homeowners’ insurance that can spell big trouble. Look out for:
🌳 Leaning trees over your home
🏚️ Older or damaged roof
🏊♂️ Unfenced swimming pools or trampolines
Do you have a red flag? 🚩 Reach out to us so https://www.insurance-financial.net/home-insurance/ we can help give you the best advice on how to make your home safe for your family and your policy. 🤝