Know the ins and outs of protecting your home.

Why leave your home to chance? The last time someone left something to chance, he burned half of his body and became one of Batman’s arch nemeses. Protecting yourself from life’s biggest unexpected, and equally unfortunate, surprises is what draws you to purchase insurance policies. If disaster strikes, regaining your sense of stability should be your main focus, not worrying about how you’re going to get the money to replace your losses. Here are 3 things you should know about home insurance.

  1. What it doesn’t cover

Knowing what your insurance doesn’t cover is equally as important as knowing what it does. This will remove any assumptions you may have, and save you money down the road. Most homeowners policies don’t protect against earthquakes, floods, nuclear hazards, and other such events.

  1. What is covered?

In the case of fire, theft, or vandalism, your insurance policy will generally provide coverage. If someone gets hurt on your property and decides to sue, you will be covered for this as well. Should you be displaced temporarily from your home, your policy will cover you so you’re not forced to pay out-of-pocket.

  1. Shop around

Don’t go with the first company you contact. Look online for a company that best matches your values, budget, and needs. This way, when you call, you’ll know more or less what to expect when they pick up on the other side. It also can depend on who answers the phone. If you feel the agent is being difficult or doesn’t understand where you’re coming from, always ask to speak with someone else. If they refuse, hang up and call again!

Knowing that you are protected with the right homeowners insurance in Bristol, CT can give you the peace of mind you need in case of water damage. Contact North American Underwriters for all of your homeowners insurance needs in Bristol, Farmington, Plainville, and surrounding Connecticut areas.