If you think that home insurance is just one size fits all, you are mistaken. Every home and homeowner has different needs and you deserve an independent insurance agent who takes the time to get to know you and what fits your home and your requirements. Holmes Insurance Services in Youngsville, NC is dedicated to providing our customers with the personalized service they deserve.
Home Insurance: What You Need To Know
Home insurance has exclusions
As a new homeowner, you probably feel very safe knowing that your home is covered by home insurance. Home insurance does offer a lot of protection, but it does have exclusions that you may not be aware of. Your home is not covered against flooding, earthquakes, sinkholes, landslides and mudslides, sewer backup, termites, mold, rodent infestation, and owner neglect. The good news is that for some of these exclusions, you can add a rider to your policy or get a totally separate policy to provide additional protection.
All dogs are not covered
If you have a dog, you may never have considered the possibility that your home insurance would not be covered by your home insurance in the event that they ever have a problem with a person or another dog. If you have a dog, you need to talk to your insurance agent about the breed that you have chosen.
Some categories of content have limits
Just because you have some beautiful jewelry doesn’t mean that it is covered by your home insurance. Typical home insurance has low limits on jewelry. In order to cover your jewelry, you need to get an appraisal and add a jewelry rider to your policy. Art and antiques also have limits that you may want to check if they apply to you.
Contact Us Today
Contact Holmes Insurance Services in Youngsville, NC with your questions and home insurance needs.