Home Insurance

HOMEOWNER'S INSURANCE

Calhoun and Coosa Insurance Agencies-Home Insurance

The security of your family within your home is a subject that should not be overlooked because there is always a chance of domestic accidents or natural disasters affecting your area. Given this reality, it is deeply important to know and understand the responsibilities and functions of a home insurance company. You must also understand its policies, its benefits, and rates, and take advantage of all it offers. 

About Home Insurance

Let's review some important things that are sometimes overlooked about home insurance and home insurance companies:
 
First of all, it’s important to clarify that home insurance covers more than the structure and the contents of your house. It is sometimes thought that a home insurance policy only covers the physical infrastructure of the house and some of the belongings and furniture in the interior of the home. However, the reality is most often something more. 

Other Coverages

There are many other things that are usually covered by home insurance, such as civil responsibility in the case of damage to third parties, better known as liability. This coverage is for physical damage that may occur to your neighbor or visitor's person while they are on your property. The named insured and anyone residing at the property in question is not covered by the liability portion of the policy. 
 
It’s worth mentioning that the coverage of the content of your home includes robbery and damage by fire. Some home insurance companies request a list of all of the valuable assets in your home in order to establish the amount to be insured. In some other cases, a simple estimation of the value of all of the assets inside the house is asked of the customer and is later verified by a detailed photographic inspection before signing the insurance contract. In the case of burglary or fire, the insured receives the restitution of their belongings up to the maximum value that had been defined. 

The Cost of Home Insurance

Another important thing to mention is that home insurances are usually not expensive when compared to the benefits they produce. 
 
You also need to know that the occurrence of a claim does not necessarily mean the end of the insurance contract. In the case of a burglary or a fire, the client has the right to make a claim for the compensation for the property in question, without this meaning that the insurance contract is terminated. The insurance will remain valid until the end of the policy period, as long as the client pays the annual rates, of course. 

Contact the professional independent insurance agents at Calhoun and Coosa Insurance for assistance with home insurance and all of your insurance needs.
*Note: Flooding is not covered under a standard homeowner's policy but can be purchased separately.

Contact Your Alabama Homeowner's Insurance Agent

Contact the professional independent insurance agents at Calhoun and Coosa Insurance for assistance with home insurance and all of your insurance needs.

Other Personal Coverage

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