Your home is your sanctuary and it is also one of the largest, most expensive investments you will make throughout your lifetime. The staff at Neff & Associates Insurance Services Inc in Pismo Beach, CA know and understand the importance of having the proper amount of insurance coverage for a home.
Coverage Options for Home Insurance
There are many types of different coverage options you can choose when creating a homeowners’ insurance policy with your agent. Each one is important and covers a different area.
The main part of your home insurance policy will cover not only the structure of your home but outbuildings too. These can include a garage, shed, deck, in even barns if you live in a farming area. This part of your coverage will help you and your family recover from the loss of your home if it is demolished by a fire, natural disaster, or vandalism. This is an extremely important coverage option because you want to be prepared if a devastating event like one of these does occur.
You will also want to ensure that your home insurance policy covers all of your personal belongings as well as household items, such as furniture and appliances if a disaster happens or if your home is burglarized.
You will have to keep in mind that there are certain extra policies that you may need to take out on your home that include coverage options that are not part of your main home insurance policy. This includes earthquake insurance and flood insurance. If you live in a flood plain, you will definitely want to have flood insurance and if you live in an area in which earthquakes occur from time to time, you will definitely want to have that policy in place also.
If your house is paid off already, or you paid cash for it, you are not required to have home insurance in place but for your own peace of mind and well-being, you absolutely should open a home insurance policy with a trusted agent. If you owe a mortgage on your home, you will be required to have home insurance by your lender.
To get your policy started today, call the home insurance experts at Neff & Associates Insurance Services Inc in Pismo Beach, CA.