When accidents happen or a storm hits the first thing on our mind is that you hope your home insurance will cover the damage. But what actually is covered and what you might think or hope is in many cases very different. When was the last time you had your insurance broker check if your insurance was still up to date? We tend to forget about this very important task, but a good broker should always make sure to contact you at least once a year. This is their job, and when they do it right you will always find that the cover will be the right choice for you. But the opposite is in many cases closer to the truth.
You will find that home insurance brokers do not always take the time to follow up once a year, so if it has been longer than one year since your last insurance appraisal then take the time to make an appointment and talk this through with them. When accidents or storms hit and you do need your insurance to cover the damage then at least you will be sure that it will be done right. But there is another part to insurance that we never hear about, a part that you will find just as important as having the right coverage amounts.
Yes we are talking about the actual cover of the objects you need coverage for. Many home insurance companies try to make you feel that your cover is perfect, but we have seen in many cases that this is very far from the truth. Knowing what is covered and making sure that the important aspects of your policy include what you feel necessary is something that is just as important as having the insured amounts figured right. No one is the same as we all have our own wishes, and because of this you will find that many standard insurance policies simple don’t work with what you need in your life. Home insurance is like many things in today’s world simply an art form. This is why choosing the right company is extremely crucial.
With hundreds or even thousands of different insurers that offer many different ways to make you become one of their clients it is always a good idea to take out many different quotes, and when you have all these different quotes make sure that you don’t automatically go with the cheapest company that is on the list. Ask for their policies so that you can see what will be covered. This way you will not stand for any big surprises when you do need to claim.
Home insurance is not just a damage control tool it is one of the most important parts of keeping your dream safe. We believe that no one is the same, and that all of us have different needs. We also believe that keeping in contact at least once a year and in some cases even twice a year will help not only you but it will also help us keep your dream house safe.
