Do You Have Enough Homeowners Insurance?

What measures do you take to protect yourself? Do you wear your seat belt every time you travel somewhere in your car? Do your wear a helmet when you ride your bicycle? Do you have someone hold the ladder when you are reaching for that last spot that needs painted under the gutter?
Life is a series of opportunities to make decisions to be safe. Some people are always making the safe choice. Others often take the risky chance. No matter what your track record is for personal safety, one area that you should always error on the side of caution is homeowner insurance. By comparing prices with various home insurance companies you can provide your family the safety and security they deserve at affordable rates.
One thing that home insurance companies can advise you about are policies that can protect your home and its contents in the event of damage caused by weather and other natural disasters. Most homeowner’s insurance policies, for example, cover storms including hail, tornado and wind damage. Floods and earthquakes, on the other hand, usually require additional coverage. It is always smart to work with an experienced agent who can help explain your policy to see exactly what is covered.
Home insurance services can also provide coverage for replacement costs of items stolen in a home invasion or burglary. Over the past eight years approximately 50% of all homeowners said they prepared an inventory of their possessions. A detailed and updated list can help homeowners remember their home contents even at the most stressful times. Some home insurance companies even suggest a video recording to help document losses for their insurers.
Sometimes the most affordable home insurance is available if you also purchase automobile insurance from the same company. Most experts recommend keep insurance on your car at all times. Unexplained gaps in coverage can be a sign to companies that you may be a risk.
While individuals often think about the necessity for personal insurance, obviously businesses and other commercial companies need insurance as well. Commercial property insurance has both similarities and differences to individual policies. Again, it is best to compare prices and work with a certified insurance agent to see that you are getting the best insurance coverage at the most affordable rates.
Are you protecting yourself, your home, and your family? Safety matters, and the smartest home and business owners do everything they can to protect their family, their employees and their property. When was the last time you consulted with your insurance agent?