How to Protect Your Home
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Halloween is fun because it’s scary, but there are people who take advantage of the chaos of this holiday to steal from you or do damage to your personal property. It’s also a holiday that is often riddled with accidents, which can be quite expensive if you don’t have the right insurance.
Most people don’t know what they are covered for when they buy a homeowners insurance policy. Especially for new homeowners, it’s easy to get confused about what’s covered and what is not in a standard policy.
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With all the benefits that come with owning a swimming pool there are also risks, which is why swimming pools are often called “an attractive nuisance.” According to the Centers for Disease Control and Prevention (CDC), approximately 10 people die from unintentional drowning.
Mortgage payments and possibly a homeowners warranty aren’t the only costs of owning a home. Nope, it doesn’t end with taxes and homeowners insurance either. Most people who set out to buy their first home are in for a surprise when the closing date approaches and they learn that they owe all sorts of money for the house they just bought.
Homeowners insurance was not designed to cover small or even big fixes, but to repair damage that is covered under the stipulations of your policy. In fact, you may end up paying more in monthly premiums if you file a claim that gets rejected. For this reason, we advise you to fully review your case and your policy to see if you’re covered before filing a claim.
Homeowners insurance is an important protection to have even when it’s not required for a primary home, a vacation home or condo.