It’s important to know what your home insurance does and doesn’t cover. When you’re going to pay for a policy, you have to make sure that it includes the coverage that you need. This is when it can be helpful to work with us at Rasor Insurance.

What’s Included in a Policy

There are a few major components that are included with a home insurance policy. This includes protection of your property, your personal belongings, as well as liability in the event that something happens on your property or as a result of someone who is living on your property.

There may be instances when this isn’t sufficient. Not all policies are built the same way. Different companies can provide different coverage levels. This is why it’s important to work with an independent insurance agent who can guide you through the process.

Customizing Your Policy

If you want your home insurance to cover everything that you need, you need to look at the details. This includes looking at worst-case scenarios so that you are prepared for anything that may happen in and around your home. You can choose to add riders to your policy that go above and beyond the basics. This includes limited coverage for money, jewelry, gold, and various collections. You can also choose to increase the level of liability and coverage for any personal property that is stored outside of your home.

When you have a more thorough home insurance policy, it provides you with better peace of mind. This way, should something happen, you know that you can file a claim with the insurance company and reduce your out-of-pocket expenses.

Contact us at Rasor Insurance today to learn more about home insurance. Our independent insurance agents can work with you to customize a policy.