Your home is your castle, and you do everything to protect it from damage. It houses your loved ones, your prized possessions, and it’s where fond memories are made. A great way to safeguard your house is to purchase quality Home Insurance in Enfield, CT.
Many homeowners are under the misconception that their homeowners policy covers them for the market value of their property, however, this is not the case. Coverage for y our home should represent the cost of rebuilding your home from scratch using like-quality materials and workmanship. For this reason, the value of coverage you need may be different than your home’s price tag.
Generally, most policies will pay the cost to rebuild, up to the limit stated in the policy. Perils that homeowners insurance covers are typically fire, theft, vandalism, windstorms, hail, lightning, and more. Often, water damage from an above-ground source is covered, such as a pipe bursting. Keep in mind that some mass-destruction events like earthquakes and floods are excluded from policies.