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What Should I Know About My Insurance?

When it comes to insuring your personal property like your home, your auto, and your toys, it’s important to consider what it would take to replace them. The coverage you get should be able to compensate you for your loss, and get your life back to where it was.

Is Home Insurance Necessary?

Homeowners insurance isn’t technically required by law, but just about every lender out there will require you to a policy in order to give you a loan. After all, they’ve got an investment in you to protect as well. At a minimum, they’ll want your policy to cover or exceed the amount you owe on the loan.

Necessary or not, though, all it takes is some unexpected natural disaster or freak accident on your property to bring nasty repair bills and medical fees straight to your doorstep. And that alone makes the cost of your premiums 100% worth it.

What Does Home Insurance Cover?

To put it simply, homeowners insurance is designed to repair, replace or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes. Your coverage typically includes:

  • Property Damage: Includes damage to your house and any structures on your property due to water, fire, and severe storms among others.
  • Natural Disasters: Floods and earthquakes are usually not covered by basic plans, meaning, you’ll need added coverage or a separate policy to keep your property protected.
  • Standard Home Liability: Covers you financially if someone is injured or their personal belongings are damaged while on your property. 
  • Extra Money for Living: If your house is uninhabitable while it’s being repaired or rebuilt, most policies will pay for a hotel and other living expenses, like groceries.
  • Personal Property Coverage: This will depend on the policy. Items like furniture may only be covered up to a depreciated value, but items like jewelry and all, might not have any coverage and will need additional insurance.

What Does Bundling My Home and Auto Insurance Do?

The biggest benefit to bundling your home and auto, or even an umbrella policy, is to save you money. Insurance companies appreciate your business—all of it—and to help, they pass along some great little discounts to you by offering a special discount on your personal insurance policies by having them both written by them.

In the end, everyone wins.

Is There a Minimum Requirement for Auto Insurance?

In almost every state, it’s illegal to drive without car insurance. That being said, every state has a minimum of liability coverage that is legally required. If you don’t have it, you could be fined. When it comes to the limits on your property, however, the decision is up to you on your coverages.

What Kind of Boats Need to be Insured?

Yacht or jon boat, all boats should carry some form of coverage. After all, you never know when your vessel could be damaged, stolen or involved in an accident that results in injury. Even if your boat is docked or stored, it can still be vandalized, damaged in a fire or storm, or even stolen.

Small watercraft, though, like canoes, rafts and kayaks might actually be covered under your homeowners or renter’s insurance policy.

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