Does homeowners insurance just cover my home?

Does homeowners insurance just cover my home?

Homeowners Insurance Quotes –

Homeowner’s insurance is designed to protect your dwelling and possessions in the event of theft, vandalism, or damage to your home. Home insurance provides coverage against many types of losses, and the coverage can be confusing. Additionally, some policies come with specific exclusions or limitations as to what they will cover and under what circumstances. Because homeowners may not know exactly what they’re paying for, they may be surprised to discover that something isn’t covered. By learning a little bit about what home insurance covers, you can be sure to purchase exactly the coverage you need and avoid any surprises in the event of the claim.What Does Home Insurance Cover? homeowners_insurance follow us @

First and most obviously, your home insurance covers damage to your home. This can include damage from wind, hail, fire, and other natural disasters, as well as from vandalism. The damage must be sudden and accidental, meaning that you cannot use home insurance to cover routine maintenance to your home, nor can you use it to repair damage caused over time. Because of this, many insurance policies have an exclusion against mold, or only cover mold damage under very specific circumstances. Other types of losses that may not be covered would include rot or decay in the foundation, or other types of slow-acting damage to the home. Always be sure to ask about specific exclusions on your home insurance, as these do vary substantially from one policy to another.

In addition to the main dwelling, most home insurance also provides coverage for damage to any other structures on the property. These structures include garages, decks, sheds, barns, fences, pools, or other buildings. A more inexpensive homeowner’s policy will often have less coverage for damage to these structures, so if you are concerned about them you should be sure to ask your agent or insurance customer service representative for clarification as to what the deductibles and limits are for structures. These will be covered under separate coverage from your dwelling, and be subject to their own deductible.

Some policies will also provide limited coverage for damage to the property itself. If you need more extensive coverage, you will need to request it. For example, if you plant a number of expensive ornamental trees in your yard, you should request for additional coverage to be added to protect these as the basic home insurance will probably not have enough coverage to replace them if they are lost in a storm or fire.

Finally, home insurance also covers your personal belongings, no matter where they are located when lost, stolen, or damaged. Belongings include electronics, jewelry, bicycles, clothes, and furniture. If you have any collectible items, be sure to have them appraised prior to insuring them so that you can insure them at their proper value. In some cases, if you have high-priced art, collector’s items, or jewelry, you will need to take out a specific “scheduled personal property” policy on them; an SPP policies guarantees that you are paid for the item’s true value, and provides additional protection.What Does Home Insurance Not Cover?

Some items are not covered under home insurance because they need to be insured with a separate liability policy such as motor vehicles, boats, trailers, ATVs and other recreational vehicles, some riding lawnmowers and more.

Additionally, your home insurance does not cover any expenses associated to care for pets or livestock. For example, if your pet is killed or injured in a fire, your home insurance cannot compensate you for any veterinary bills.Is There Anything Else Home Insurance Covers?

You can also choose to purchase a liability policy, or “personal umbrella policy,” on your home insurance. Personal umbrella policies (PUP) protect your assets from being seized in the event of a lawsuit. For example, if someone is visiting your home and falls, you can use your PUP to cover their medical expenses. Your PUP can be used for any situation where you could be held liable and there is no other liability insurance that could cover the expense; it also can be used in some situations as excess for car insurance claims if you are liable for more damage than the car insurance will pay for.

Home insurance can be very complicated due to the limitations on coverage and the wide variance between companies. When purchasing a policy, always be sure to review the coverage carefully and ask questions about anything you don’t understand. If you know in advance exactly what will be covered by your insurance, you can avoid any unpleasant surprises in the event of a claim; you can also save money by rejecting coverage for things you don’t need. The better educated you are about your insurance, the more prepared you will be in the event of an emergency.Compare Home Insurance QuotesPrevious PostCan I buy home insurance from my mortgage company?Next PostHow much is homeowners insurance per month? Visit our website here: @
Homeowners Insurance Info:

Plumbing Contractors Dallas

Plumbing Contractor

We offer top-notch residential and commercial plumbing services to clients in the Dallas area, delivered by licensed and experienced plumbing contractors. Our professional plumbers will help in maintaining your home or business plumbing in great working condition and functioning at its best. Getting the service of our plumbing contractors ensures that you’ll receive first-rate, precise and inexpensive plumbing works that are backed with a Satisfaction Guarantee. All of our plumbers have undergone a thorough background, including drug testing, to make our clients feel at ease and to secure their properties.

Our seasoned plumbers are capable of fixing all types and size of plumbing works since they have acquired enough training about the correct way of doing plumbing repairs, installations and maintenance. We provide our technicians with powerful and advanced tools to give our customers outstanding results on their projects such as in bathroom or kitchen repair and drain cleaning. With their years of experience doing all sorts of plumbing jobs, it’s guaranteed that our contractors will always bring the finest outcome on your plumbing installation, repair or maintenance needs.

Moreover, our plumbers are able to distinguish the exact cause of the plumbing problem so you won’t end up paying for any extra charges with unnecessary repairs and avoid causing serious damage into your property or experience unnecessary accidents. This is because we continuously provide our contractors training about the latest development in this industry; which is something you won’t get from part-time or amateur plumbers.

We truly care for our clients’ happiness and satisfaction that why we offer a program that will help them avoid having to pay for unnecessary plumbing fees. Through this protection program, we will assist in identifying any leaks or the main cause of a plumbing problem before it get worse or bring serious damage like water damage or flooding. Our contractors will primarily focus on areas that are at risk of repairs, as well as do a full inspection. With constant checking, it will allow us to uphold the great working condition of our clients’ residential or commercial plumbing.

Aside from handling numerous plumbing works, our contractors are always available for emergency plumbing requests. We specializes in delivering emergency plumbing services with immediate response, as well as polite 24/7 customer care assistance. Keep in mind that it’s always best to get the help of professionals when dealing with emergency plumbing issues to avoid causing further damage to your property or enduring accidents. Contact us now and let our plumbing contractors take care of whatever plumbing issues you might have in your home or business.

Use full info:

Remodeling Your Kitchen, need a new Fridge

Picking a Refrigerator for Your Kitchen Renovation

Picking a Refrigerator for Your Kitchen Renovation New Countertops and Tile are simple with a Kitchen Remodeling Contractor’s

Selecting a refrigerator takes time and patience as you look for one with optimal space and necessary pricing.Selecting a new refrigerator to finish off your kitchen renovations will be an exciting venture for you. You need to make sure that you are staying focused on what is important to you in a refrigerator and select one that is most efficient for your home needs while giving the appearance you need to blend in and complement the new kitchen look. Here are a few “bottom line” tips that can assist with choose the proper refrigerator for your kitchen. More on our website: @

Ice Dispenser/Beverage Center
It is a nice benefit that many homeowners crave in their refrigerator. However, there is a catch to having one of these attached to your refrigerator. When choosing a refrigerator with an ice dispenser or beverage center, you want the refrigerator to be a side-to-side with the doors from the fridge and freezer. Having a top-and-bottom configuration will cause the ice dispenser and beverage machine to take up too much viable space in your freezer that you will need in the future.

Choose a French Model
As you begin exploring the options, you want to choose a French model that has a two-drawer configuration in the freezer. This will make it easier to separate and organize your freezer items without causing too much of a frenzy looking for and digging for the items in a one drawer freezer. Organization and space will be the crucial elements in any refrigerator and freezer combo.

Choose a Model That Recesses in the Back
When you put your refrigerator in, you want one that has the perfect dimensions and does not stick out too much. In order to prevent this from happening, get a fridge that recesses in the back for the waterline and power cord. Often when the back does not recess, it will cause the refrigerator to stick out 2 to 4 inches in order for the power and waterlines to fit in without causing them to bend too much. Recessing allows the fridge to fit in perfectly, giving them enough space in the back due to the caved-in back.

Purchase a Surge Protector
When you plug in your fridge, you want to protect the computer chips in the event of an outage or otherwise electrical fiasco with a surge protector. These can be found at your local hardware store for under $30. A surge processor for your homes’ entire electronic use can be purchased for around $500 as of 2014. Keep your items protected and you will be thankful.

Find the Fridge That “Speaks” to You
When looking for refrigerators, you will have an abundance of options to help complement your home. You want to pick the one that complements your kitchen renovation and speaks to you. Not literally, but in a figurative “it’s the one” kind of way. If you are skeptical of a refrigerator, keep searching until you find one you have confidence in selecting for your home. It might take a few trips to hardware stores, but it will be worth the investment in the long-term.

More info here