There is no place like home, that’s why you need to protect your home so that you always have a space in Bad Axe, Harbor Beach, Pigeon, Port Austin, Port Sanilac, Sandusky, or the surrounding area to come back to. Home insurance is that protection that you need, and when you work with Schillinger Insurance they will make sure that all of your belongings are covered and not just the structure itself. Don’t leave your home and your belongings underinsured or uninsured, contact Schillinger Insurance Agency to find out just how affordable home insurance can be, and what is best for your needs.
What Coverages are Part of the Policy?
It is important to note that home insurance isn’t just a good idea, it is practically required by all mortgage lenders. Why? Because they want to ensure that the property that they have a financial stake in is protected, just like you should want to protect your investment. There are several components to your home insurance policy to be aware of. Damages to the interior and exterior of your home are covered, as are the contents of your home. If you have some particularly expensive items that you keep in your home, such as family heirloom jewelry, antiques, or other items, you will want to get a rider to cover these items. A rider amends the basic policy to specifically call out unique items for additional coverage.
Your policy will also have liability coverage that protects you from lawsuits filed by others against you. This could happen if someone injures themselves on your property, and extends to off-premises incidents as well. You and your Schillinger Insurance Agency agent will determine just how much liability coverage you need as part of your home insurance. And if your home is damaged and you can’t reside in your home until it is repaired, your insurance will help to cover living expenses so that you can cover the costs of temporary housing until your home is made whole again.
Home Insurance Doesn’t Have to be Expensive
Home insurance isn’t terribly expensive to begin with, but if you have had several claims it could become more expensive. However, there are ways to keep the costs of home insurance down that are available to most homeowners. First is to have a security system for your home that is tied to emergency services. This will likely reduce your home insurance premiums, sometimes up to 5% or even more. Smoke alarms and CO2 detectors likewise can help to reduce home insurance costs. If you are able to raise the deductible for your policy, this can also have a significant impact on your home insurance premiums. To learn more and make sure that your Bad Axe, Harbor Beach, Pigeon, Port Austin, Port Sanilac, Sandusky, or the surrounding area home is protected, contact Schillinger Insurance Agency today.