4 Things to Know When Buying
Common Claims Covered:
Common Claims Not Covered:
Insects (Carpenter Ants, Termites)
Wear and Tear
Rodentia and Varmints
Cracking/Settling of Foundation
This covers the house itself. Things like the roof, walls, flooring, kitchen cabinets, bathrooms, etc.
This covers your stuff inside. Things like your furniture, clothes, appliances, TV, golf clubs, etc.
Most commonly this would be a detached garage, but could also be garden shed, gazebo, boat house, fence, etc.
This covers you if someone is injured on your property and sues you. For example slip in fall or a dog bite, etc.
Must-Have Extra Coverages
Replacement Cost Structure
This coverage usually provides an additional 25% cushion to rebuild after a total loss, like a fire or tornado.
Replacement Cost Contents
If something happens to your contents, this coverage buys you brand new stuff, no depreciation factored in.
Water & Sewer Backup
This covers damage resulting from sump pump failing or sewer backing up in your basement.
Identity Theft Protection
If your identity is stolen, this will pay for a lawyer to go in and clean up your credit report. Need we say more?
Other Coverages to Consider
Replaces jewelry (wedding rings, earrings, necklaces, etc) if stolen, lost, or diamond falls out.
Covers the lateral pipe from your house to the sewer or septic if something happens to it and needs to be replaced.
If you are in a homeowners or condo association, this gives you extra liability for that exposure.
Snowmobile, boats, ATV, golf cart, etc. These toys usually can be added on the home policy as a rider.
Factors that could
HURT your price:
Pool with slide or diving board
High risk dog breeds
Roofs that are older than 20 years
Factors that could
HELP your price:
Having smoke detectors
Smart home devices
Roof that is new
Have fire hydrants’ near by
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