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INSURANCE AGENCY NETWORK Blog

5 Things to Know About Homeowners Insurance

6/16/2019

4 Comments

 
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When you plan on borrowing money to buy a house, the lender whom you are about to acquire from will require you to purchase insurance to protect the interest. But unfortunately, a lot of people who buy a homeowner’s insurance doesn’t understand its features or how to could save some money on the premiums.
​
In this article, we will cover some facts that you needed to know about the homeowner's insurance policy.
  1. Different Types of Policies
    A homeowner insurance policy is a standard across the USA. However, some insurers or states might offer plans that are a bit different. Therefore, before you go on signing a contract with an insurer, ask what the policy exactly covers.

  2. Not All Damages are Covered
    A standard homeowners insurance policy provides a lot of protection on your home, this includes structure coverage, liability, loss of personal belongings, and others but it doesn’t exactly cover all of them. Ask about what your policy covers and tell you to want to add a couple more coverage for your convenience. This is necessary if the type of coverage that you wanted to add is needed.

  3. Don’t Neglect Home Maintenance
    Most insurance companies make sure that your property is in good shape, so they might offer home maintenance. If they do, do not refuse it as support doesn’t mean that your house is unsafe or cannot withstand some damages. All it does is to double check your home if there are no damages that could worsen if there’s bad weather coming.

  4. Your Homeowners Insurance Policy doesn't cover some Pets
    Typically, the liability coverage is applied to all members of your house, including your pets. However, some insurers are particular on which breeds they are insuring. The kinds that are excluded from the coverage are:

    •    Chow-chow
    •    Alaskan malamute
    •    Mastiff
    •    Great Dane
    •    Rottweiler
    •    Siberian husky
    •    German Shepherd
    •    Doberman pinscher
    •    Wolf hybrids
    •    Pitbull or terrier
    •    Cane Corso
    •    Boxer
    •    Akita
    •    Presa Canario

    If your dog is included in the list, you’ll have to consider buying a separate umbrella liability coverage.
    ​
  5. Don’t Always Make a Claim
    Insurance is the only investment that you hope that you won’t use is the future. Not only will the repairing of damage a hassle, but you’ll also notice that getting an insurance claim may increase your rate for years. Therefore, file a complaint, only if it’s needed.

Conclusion:
Homeowners insurance covers a lot of things when it comes to protecting your household, but you should know that there are some things that you needed to know about the policy. If you want to make sure that you have the right plan that you can make use of in the future, make sure to ask your insurer about it.

At Insurance Agency Network, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (425) 681-0996 or Click Here to request a free quote.
4 Comments
Shayla Cademis link
7/19/2019 07:27:42 am

Thanks for the suggestion to ask what an insurance policy covers. My husband and I are thinking of purchasing our first home this year, so we've decided to start looking into insurance. Hopefully we can find a great insurance company in our area!

Reply
Auto Insurance Amarillo link
5/5/2020 03:39:44 am

West Texas Insurance Agency provides auto insurance services to individuals and businesses in Texas. We're an independent insurance agency in partnership with several insurance carriers. We can handle all your auto insurance needs. Our insurance markets preference provides affordable auto coverage for all types of vehicles ‐ If you've been frustrated with your current coverage rates and services, call us to help you find the right solution for your auto coverage.

Reply
Alec Burns link
5/27/2020 11:50:22 am

It's useful that you point out that homeowners insurance can help cover you financially in case your home or belongings are unexpectedly lost or damaged. My wife and I are buying a house soon, so I'm thinking about buying some homeowners insurance. I'm going to search for a good business in my area that can sell me some homeowners insurance.

Reply
Insurance Companies Amarillo link
6/2/2020 07:18:40 pm

Insurance is one of those things that people tend to parcel out to get the best prices, but you can find the best insurance coverage for your needs right here! The TWI Agency will help you to find the best policy for a price that fits your budget, so there's no need to go back and forth between providers. Our knowledgeable agents will find the right business, home, life and auto insurance for you, saving you the time and money involved with finding the right coverage.

Reply



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