What Kind Of Damages Are Included In Home Insurance?

When you’re living in Monroe, CT, you need to make sure you have a home insurance policy that is capable of protecting you against anything that might happen. All sorts of damages can occur to your home. Fida Insurance Group can help you to review your policy to ensure you’re sufficiently protected.

A standard policy will protect you against fire, hail, lightning, and storms. Other disasters might be listed in your policy, too. If they’re included in the policy, then you can file a claim. Otherwise, a claim would be denied if the damages are as a result of something that isn’t covered.

Floods, for example, might not be included in your home insurance policy. If you experience a flood at your home, the damages would not be covered by your home insurance company. This could leave you vulnerable for the expenses.

Damages may not be covered by earthquakes or routine wear and tear, either. This is why you want to make sure that you read through your home insurance policy carefully. It is also possible to include various riders so that you can include additional levels of coverage.

It’s nearly impossible to guess at what could happen. However, you can look at what has happened around your neighborhood in the past. If floods, earthquakes, or various other problems have occurred, you will want to make sure that you have enough protection on your home insurance policy. This way, if you file a claim, you can do so with confidence knowing that the insurance company will take care of the majority of expenses. The only thing you would have to pay out-of-pocket is the deductible.

At Fida Insurance Group, we have independent insurance agents to help you with your home insurance. We can ensure you’re covered against any damages that could occur in Monroe, CT.