Buying a new home is stressful. Choosing your home insurance shouldn’t be. Buying home insurance gives you the peace of mind that you require. At Pethel Insurance Group in Kannapolis, NC, we are an independent insurance agency dedicated to making sure our customers have the right insurance for their personal needs.
What every new homeowner needs to know about home insurance
Home insurance has exclusions
As good as home insurance is at protecting you and your home, it just won’t cover everything that could go wrong. The exclusions are clearly outlined in your policy, which makes actually reading your home insurance policy vital. Exclusions include wear and tear, owner neglect, earth movement, and floods. Knowing these exclusions allows you to make other arrangements for coverage.
Certain coverage has limits
Another good reason to read your policy thoroughly is that certain types of items have limited coverage. Your jewelry, antiques, electronics, and other things are not covered after the limit is reached. They can, however, be extended with a rider.
You have choices when it comes to content coverage
If you own a lot of things that you probably would not want to replace, getting replacement coverage is probably a good choice. If you love what you have and want to replace it, the current value is a better option.
You can extend your coverage with riders
Riders or endorsements can provide additional coverage beyond what your traditional home policy includes. It can give your sewer backup coverage, and extend the coverage you have on your jewelry and electronics.
You choose your deductible and liability coverage
You have options when it comes to the amount of liability insurance that you have and also the dollar amount of your deductible. You can customize your policy.
Get The Right Coverage Today
Contact Pethel Insurance Group in Kannapolis, NC before you choose your home insurance coverage.