Home Insurance: The Owner’s Guide

​Are you excited to move to your new home? Know that responsibilities also await you. One of them is the responsibility to put security in your humble abode. Home insurance is making yourself free of stress for the trials that may happen in the future.

Basic Questions To Guide You
This section answers three basic questions that you may throw to the insurer. It gives a general picture of what home insurance is.

How does home insurance work?
Insurance works when you obtain the policy. It functions to repair, rebuild, or repay you when vandalism, calamities, theft, etc. damage property. The coverage may include a garage, shed, personal possessions such as jewelry, furniture, or clothing, depending on the contract of protection.

Additionally, the protection will provide liability coverage for cases like when a guest is injured and asking for medical treatments or sues you legally. Thus, it can also cover high-value items like a swimming pool, which requires a higher amount.

How to buy homeowner insurance?
To buy insurance, you have to inquire and get various quotations from different agencies to determine the differences and realize the coverages you need. You can purchase protection through websites, phones, or requesting an insurance agent to visit your home.

How to file a homeowner insurance claim?
There will be a time that you need to claim the security you get. Do the following to avoid disruptions.

• Secure a police report or narrative if a crime happens.
• Repair urgently while being safe. Make sure to take pictures and keep receipts.
• Do not forget to inform the insurer so you can receive the help rapidly.
• Document everything to support the claim. Take videos if necessary.

Coverages Insurer May Offer 
Here is the list of coverages you encounter when you get a quote from an agency. You can obtain all or request add-ons. 

• Personal Property
• Dwelling
• Other structures like garage or shed
• Calamities such as flood, earthquake, or fire
• Personal liability

Take Note that insurance has limitations, but if you want to take full credit of things you want to include, adjustments can occur. Do not doubt and make an action to get protection. Get a quote now.

At Family Auto Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (313) 285-9042. You can also request a free quote by CLICKING HERE.