Your home insurance policy protects your most valuable assets, but do you know what kind of damage it covers? Many homeowners don't find out that a situation isn't covered by their home insurance until they try to file a claim. The Ron Nall Insurance Agency in Andalusia, AL, is here to clear up some of the mystery so you can decide whether or not you've got all the coverage you need.
Here is a list of some of the types of coverage you should make sure are covered by your policy:
- Storm Damage: Most types of storm damage are included in the standard insurance policy, including the effects of wind and hail. Meteors and even falling airplane parts are often covered as well.
- Water Damage: Water damage that results from a sudden, unexpected event, like a burst pipe or a roof destroyed by a storm, is likely covered. However, if your roof or plumbing has simply worn out then the insurance company will probably not pay for it. Flood damage, on the other hand, has to be covered under a separate policy.
- Earthquakes: Any damage that results from movements of the earth, like sinkholes and earthquakes, also requires a separate insurance rider.
- Loss of Personal Possessions: Most home insurance policies include a set amount for personal property coverage, but, if you have a lot valuables, you should consider buying additional coverage.
Ron Nall Insurance Agency has the experience and expertise to make sure you have all the coverage you need. To learn more about the various types of coverage they offer, including home insurance, renters insurance, health insurance and full coverage auto insurance, visit their web site to learn more, or call (334) 881-0606 with any questions.