Home insurance’s main purpose is to help you when the unexpected hits your home. If you want quality home insurance for your property, know what your coverage offers. Discover some common perils that home insurance usually provides for.
Unfortunately, fires can happen due to many reasons. And if your home accidentally catches fire, this can ruin your belongings and home. If you have lost property due to a fire, home insurance can help provide the necessary reimbursement for fire restoration, belonging replacement, and temporary lodgings.
Want to have coverage for your home in case someone breaks in and steals your belongings? Home insurance can provide reimbursement for the stolen items. This is especially important if they stole valuables like artwork, jewelry, or collections.
However, with theft, ensure that your coverage covers all your items, including your valuable ones. Home insurance can sometimes have coverage limits that will replace up to a specific amount. If you want comprehensive coverage against theft, consider policies on specific items.
If someone has damaged your house, then you might have considerable costs fixing this damage. For example, someone might have broken your windows, spray painted your home’s exterior, or egged your home. All of these can cost money to fix. Thankfully, home insurance can help.
Whether you need to replace a window or paint over unsightly defacement, home insurance can provide the necessary monetary compensation.
Water damage can occur because of burst pipes or major leaks. If this happens unexpectedly, you often have coverage to replace or repair the damage. Make sure to speak to your insurance agent about what exclusions they have for water damage. Some water damage that results from wear and tear might not be covered.
If you have experienced hailstorms, they might not seem like they will do much damage. However, enough hail, especially larger hailstones, can dent your roof, gutters, siding, or windows. Additionally, hailstorms can cause leaks and individual shingles to go missing or lose granules.
If you have damage like this, then home insurance can help cover the costs. As hail damage can lead to additional problems over time, timely repair is necessary. So you don’t have to wait or hold off on repairs if you have home insurance.
The winters in Minnesota can be fierce and include a lot of snow. If you have a lot of snow on your roof, this can eventually weigh it down. With enough weight, your roof might cave in. Unfortunately, this can cause extensive damage to your home. However, with home insurance, you’ll often be able to fix the damage both inside and out.
Besides hail and snow damage, storms can also impact your home in other ways. For example, a tree might fall on your roof, wind may strip away your siding or shingles, and debris may break your windows. All of these can create unexpected damage to your home.
In the aftermath, you might need to repair some shingles, replace a wall of siding, or get a new window. All of these cost. Thankfully, home insurance can largely cover storm damage. All you need to do is know what your policy covers in case of a storm.
If you live in Minnesota or Wisconsin, ensure your home gets the coverage it needs with Germain Insurance Agency. We are an independent agency that will get you the personalized coverage you need at rates you can afford.
Contact us today to put together a home insurance policy that works for you. We will be happy to go over any questions or concerns you have.
