Most homeowners have some type of home insurance coverage, but few truly understand what it is for. Most people know that it’s something they need so they purchase it. Others may be required to have it due to the terms of their mortgage. Either way, it’s important to understand your coverage. You may be eligible for compensation, but without making a claim on your home insurance in Conroe, TX, you’re missing out.
Interior Coverage
Your homeowner’s insurance covers your house and everything in it. You’ll want enough coverage to be able to replace your belongings after a fire or other disaster. This includes your heating and cooling system, kitchen appliances, furniture, and even your clothes.
Exterior Coverage
Weather can be brutal. Hail, wind, lightning, and strong rain can damage your roof, windows, or siding. Your home insurance should be able to cover the cost of repairing or replacing these items after a severe storm. It may also cover your outbuildings, garages, sheds, and fences.
Theft
If someone comes into your home and steals your valuable items or vandalizes your home, your home insurance can compensate you for your loss. This is why it’s so important to list anything of value. Include electronics, jewelry, heirlooms, and other expensive pieces, and make sure you are paying for a policy that can cover everything.
Check with your insurance agent or read your policy carefully to fully understand the terms of your home insurance in Conroe, TX. Not every policy is the same.
