Home & Contents Insurance — Hints and Tips
It’s important to make sure that the coverage you buy covers what’s important to you. Here are some tips and hints you may want to consider when shopping around.
Choosing the right Home and Contents Insurance involves more than simply vauling your assets and choosing the cheapest premium offered. Many insurance products are designed to suit a broad customer base, so it’s important to make sure that the coverage you end up buying covers what’s important to you. MIDFLORIDA Insurance Services, LLC, has put together some tips and hints you may want to consider when shopping around for your Home and Contents Insurance.
1. Know your limits
Insurance policies often have a cap on the amoutn of coverage for valuables. If you have specific assets worth more than the standard limits, you should consider insuring these items seperately to ensure replacement.
2. Going out of town?
If you leave home for extended periods (usually more than two months), it may be worthwhile to check the maximum term that applies with your insurer as you may require extra coverage.
3. Termite Damage
Damage from pests such as termites is usually not covered in your policy. Insurance companies see pest control as the homeowners’ responsibility in the normal upkeep of the property and a preventable event.
Insurers are often quite restrictive on flood coverage so it’s a good idea to understand whethere a policy covers flooding and how flooding has been defined.
5. Work from home?
If you have a designated space for working from home, you will need to have a separate business insurance policy to cover you for any damages that may occur to your home office.
6. Read the policy document
Don’t wait until an event occurs before you look through your insurance policy document. It’s a good idea to look through it before you take out the policy so you can have some peace of mind if certain events do occur.
For more ways to protect your home and save money too – contact the experts at MIDFLORIDA Insurance Services, LLC,for your free, no-obligation quote. Call us toll free at (888) 861-6160, or visit us online at midflorida.com/insurance
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