How to Secure Home Coverage for Unseen Dangers

How to Secure Home Coverage for Unseen Dangers

Protect against the damages caused by fungi, wet or dry rot, and bacteria.

While your homeowners insurance will cover the damage caused by perils such as fire, storms, vandalism, an theft, what about the damage caused by smaller, unseen dangers.  For instance, how can you protect against the damages caused by fungi, wet or dry rot, and bacteria?  Here’s how you can secure your home the coverage that it needs.

The Limits of Standard Insurance

In general, standard home insurance policies place coverage limits on the property damages caused by fungi, wet or dry rot, and bacteria.  Additionally, policies will also cap the coverage offered for the liability issues caused by inhaling, ingesting, or other exposure to these hidden dangers.

Securing the Coverage You Need

Fortunately, you can bump up your homeowners insurance policy to ensure that you have adequate coverage to address these risks.  Generally, you can increase the coverage limits on both areas of concern for a small additional premium.  Policyholders can increase their property damage coverage up to $50,000 and their liability coverage up to $100,000 for these specific perils.

Are you interested in learning more about how to protect against the damages caused by fungi, wet or dry rot, and bacteria?  If so, then contact the experts at 01 Insurance in Astoria, New York.  Our dedicated team is eager to assist you with all your home coverage needs today.