4 Benefits of Having Your Home Insured

​The whole point of getting insurance is to provide security for yourself in case of an uncertain future loss that will require a significant expense. Whether it's for fire damage or repairs because a tree fell down on your roof, learn more about what your home insurance covers and the other benefits it provides.

Coverage For Natural Disasters 
Many homeowners have misconceptions on what events are covered by their insurance policies. The typical perils included in your plan are fire, theft, tornadoes, hurricanes, and hail. For incidences like floods, earthquakes, and even mold, you will need to get a separate policy to get coverage. On most policies, what qualifies as an insurable incident is one that occurs suddenly and accidentally. Property damages that are caused by an accumulation of a set of problems are not going to be covered. 

Liability Coverage Is For Homeowners Too
This coverage may be more known to be associated with auto insurance, but homeowners could benefit from this as well. This policy covers for accidents that occur on your property, including physical harm that befalls on anyone there. For example, your guest falls on your stairs and breaks their arm at your home, then your insurance will pay for their medical bills. If you run over your neighbor's fence as you parked your car, then your insurance can take care of the repair expenses as well. 

Protection For Your Belongings 
A neat advantage of home insurance is that it not only insures your house but the items in it as well. In the event of a burglary in your home, your home insurance can cover for the lost or damaged property. Just be sure to document the theft as well as other damages, and file a police report as proof for the insurance company. These belongings include your furniture and electronics. For pricier items like jewelry or art pieces, you may need to purchase an add-on or a "floater" on top of your primary policy to get coverage.

When scouring for insurance policies, be sure to research thoroughly and be cautious of the insurance company you choose. Take the time to fully understand what your policy covers and what it doesn't, leaving out any unwanted surprises when it's time to claim your insurance. 

At Arnold Insurance Agency, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (318) 965-5953. Get your free quote today by CLICKING HERE.