When you own a home, you need protection against all the things that can damage it and you. Since this is one of the largest investments most people make, it isn’t always possible to protect yourself without having home insurance. Having the right home insurance is vital to your financial security, which makes your choice of insurance agent so important. At Capretta Insurance Agency in Parma, OH, we work for our customers and give them the attention they need.
What does home insurance cover?
Your home insurance policy should be customized to your particular needs but the basics that it should cover are:
- Property damage to your main dwelling, outbuildings, porches, and decks from covered perils
- Contents of the property
- Housing in the event your dwelling is uninhabitable from a covered
- Personal liability coverage
What does home insurance not cover?
Quite a few things are excluded from your basic home insurance policy. You can add an endorsement or get another policy to cover these particular exclusions.
- Earth movement: earthquake, mudslides, landslides, and sinkholes
- Flooding from surface water
- Sewer backup
- Owner neglect: rodents, mold, termites, carpenter ants
Do I need to have a home inventory?
It is not required to have a home inventory, but it is a very good idea. When you file a claim with your carrier, having to show them what you had before your home was damaged can be challenging. With a home inventory, you will have all the information you need at your fingertips.
Is my dog covered if it bites someone?
As long as your dog is not an excluded breed, then yes, your liability insurance will pay for medical expenses and more in the event the person decides to sue.
Contact Capretta Insurance Agency in Parma, OH when you are ready to review your home coverage.
