If home insurance is usually the last thing on your mind, then you’re certainly not alone. It’s not just that insurance is full of technical jargon and more than a few words you don’t really understand. Home insurance requires owners to think about some of the worst things that can possibly happen in Arizona. From nasty storms to careless criminals to fires that spin out of control, delving into these types of scenarios isn’t a fun way to spend an afternoon.
However, to really protect your investment (and your future and safety), it’s necessary to spend a little bit of time making a checklist that you can use to determine what type of policy you really need. Whether you’ve owned your home for 10 hours or 10 years, consider the following tips from Jeremy Mueller Insurance to get a better idea of what to think about before making a checklist.
Many policyholders choose their coverage based on the price of the premium only. It’s only when they call their insurance carrier for help when they realize that they don’t quite have the financial help they thought they’d have. A checklist helps save yourself and your family from this situation, but the key is to start asking questions. Jeremy Mueller Insurance can tell you more about the specifics of what you can expect when you file a claim.
For example, certain policies do not cover the contents of the home, which means that all of your furniture, jewelry, and electronics will need to be replaced should they be damaged. Even if a home is furnished with hand-me-down items, this isn’t always as easy as it seems. The more precautions you take today, the less likely you’ll be out of luck tomorrow. If you’re not even sure what questions to ask, then it may be time to talk to an insurance professional who’s here to inform you (not to scare you.)
It’s not just the physical structure to consider when you own your home, it’s also the grounds themselves. Did you recently plant exotic shrubs in the backyard? Do you make some improvements to your garage? In addition, if you have any animal companions in your home, you may want to prepare for any damage they may cause. Ripped up carpets, broken televisions, and nasty bites to guests are really just the beginning.
It’s easy to forget about a number of different issues when it comes to home insurance, but there are easy ways to fill in the gaps of your coverage. If you care about your home, it’s time to learn more about how Jeremy Mueller Insurance can help you!