The truth is that it can be overwhelming when you are shopping for homeowners’ insurance. There are many different plans, all with their own prices. They all cover different things, for different amounts.
That being said, most standard homeowners’ insurance will cover the same thing. These include:
Damage due to fire and smoke. They will cover any damage to your home if you have a fire in your home. Even if you have smoke damage, they should cover that too. Some plans even cover damage due to wildfires.
Damage from storms. Most plans cover storm damage, whether it is caused by severe thunderstorms, snow, or even ice storms. They will cover any damage caused by lightning, wind, or even hail.
Damage to your roofs. Though a leaky roof doesn’t sound too bad, the truth is that it can cause substantial water damage. You may even find yourself dealing with mold and other unsafe living conditions.
Plumbing issues. Most homeowners insurance will cover anything to do with plumbing. The most commonly cover issues that occur from frozen pipes.
Electrical problems and power surges. Most homeowners’ insurance policies cover electrical problems and power surges.
Damage caused by other people. Homeowners’ insurance policies often cover theft and vandalism. It will also help you replace your possessions if someone steals some of your things. Many plans will also cover damage that may occur due to riots or vandalism.
It will also cover any liabilities. If someone gets injured on your property, you may be held liable. Your policy will cover any medical bills, as well as any legal fees if you are sued.
If you want to make sure that you have the best policy, don’t hesitate to contact us at Sound Choice Insurance Agency Inc in Lynnwood, WA.