Protect your house with the right home insurance in Astoria, New York!
Be smart about protecting your house with the right home insurance. Ensure that your policy has these home insurance basics.
From hurricanes to house fires to vandalism, structural damage to your home can be costly to repair. Be sure to pick a policy that adequately covers repairs (or replacements) to your home. However, keep in mind that that structural damages from certain disasters, like flooding, isn’t necessarily covered under your homeowners policy. Ask to see a list of covered perils, and add additional policies if you need extra coverage for certain disasters.
Personal Property Coverage.
The average homeowners insurance policy will cover damages to your personal belongings. However, be aware that there is a limit to this coverage, and your personal property can add up. If you think that you may need additional coverage, talk to your agent about adding personal property coverage. That way you won’t have to worry about replacing the couch or your new flat screen television!
While it’s best to invest in an umbrella insurance policy to ensure that you have adequate liability coverage, your home insurance should give you some liability coverage. In today’s world lawsuits are increasingly common. Be sure that you have liability protection included in your homeowners policy.
Additional Living Expense Coverage.
Sometimes a disaster can leave your home temporarily inhabitable. You’re then left to find additional housing until your home is repaired. That’s where additional living expense coverage comes in. It helps to cover hotel bills, restaurant meals, and other living expenses incurred while you’re waiting for your home to be repaired. Not all policies offer this coverage, or they offer different degrees of coverage. Be sure to see how your policy gives you this protection.