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Whether you are a new homeowner or a seasoned veteran, having the right home insurance is vital to your peace of mind. You want to make sure you have enough coverage but are not paying more than you need to or for things you don’t need. Home insurance protects your home from hazards, but it doesn’t cover everything, and it also has more than just building coverage included. At Ken Boldt Insurance Agency II Inc. in Green, OH, we want to make sure you have the right coverage for you and your home.
Flooding
While this shocks many homeowners, your home insurance won’t cover you if you are the victim of a flood. At least not for what is known as surface water. If you have a busted pipe, that is covered. Flood insurance is available through FEMA. If you live in an area prone to floods, your lender will require you to carry flood insurance, and it is a good idea since flood damage is very expensive to repair.
Earth Movement
Earth movement includes things like earthquakes, mudslides, landslides, and sinkholes. All of these are excluded from traditional home insurance. You can add an endorsement to cover these items if it is something you worry about.
Owner Neglect
Many things can damage your home. Your insurance company expects you to make sure you do the best you can to make things like termites and mold don’t have an opportunity to gain a foothold in your home through the appropriate upkeep. If you don’t, they won’t pay for the damage that results. So get your home treated and do the necessary repairs.
When you are looking for an independent insurance agent in Green, OH, Ken Boldt Insurance Agency II Inc is the one to call for personal service and a knowledgeable team.
