Your home insurance is a necessary aspect of home ownership. It’s a vital safeguard to protect your home from costly damage from disasters. However, keep in mind, that there are limitations to your home insurance coverage. Not all disasters are covered. Check out what you need to know about homeowners insurance in Carrollton so that you can rest easy knowing what your policy covers.
When it comes to your homeowners insurance policy, you get basic coverage. Your policy covers the structure of your home, personal possessions, and general liability should you encounter a disaster. However, keep in mind that these coverage areas come with limits. To get the coverage that you need, you must increase your policy limits.
Your homeowners insurance policy doesn’t just have financial limitations, but it also places limits on what types of disasters are covered. Your basic policy gives your coverage for damage caused by covered perils. These types of perils generally include wind damage, lightning, fire, hail, explosions, riots, theft, and vandalism. For disasters that aren’t listed as covered perils, it’s important to get supplemental coverage to keep your home safe.
For disasters that aren’t covered under your regular homeowners insurance policy, you need additional coverage. These additional coverages can be purchased separately, or they can be added onto your policy as supplemental insurance. That way you can rest easy knowing that you have full protection.
Don’t leave your coverage to chance. Talk to your insurance agent about your homeowners insurance policy in Carrollton. The professionals at Mike Leonard Insurance Agency in North Texas can help you find the right coverages for your home. We’ll work to get you the right coverage from one of our carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance so you can rest easy with excellent protection. Contact us for more information.