Purchasing a home is likely the most significant investment you’ll make in your lifetime. Ensuring that it is adequately insured is of utmost importance. However, just simply having homeowners’ insurance and knowing your deductible isn’t enough. At Felty Insurance, we believe that comprehensive understanding and coverage are essential.
For instance, having replacement coverage on your home doesn’t automatically guarantee that it will be rebuilt in the event of a total loss. Your policy will only provide compensation up to the policy limits. Insufficient coverage could result in a devastating financial, physical, and emotional loss if faced with a total loss. We recognize that most individuals lack the time to read through policy details, let alone grasp the legal complexities involved.
Homeowners insurance can indeed be bewildering. For example, questions may arise about the replacement of personal property, coverage for stolen items such as guns or jewelry, and the inclusion of items like ATVs, boats, or that restored 68 Camaro stored in your basement. Additionally, concerns about liability if someone is injured on your property, the specifics of your deductible and its application, and the coverage type for your roof, whether replacement or Actual Cash Value, may leave you perplexed.
At Felty Insurance, our insurance advisors are dedicated to investing the necessary time to ensure that you not only comprehend your risks but also understand how to safeguard them at an affordable cost. We communicate in straightforward terms, avoiding complex jargon, so that you can genuinely grasp the details of your policy.
With our guidance, you can navigate the realm of homeowners insurance with confidence. Contact us today, and let us provide you with the knowledge and clarity you need to make informed decisions about protecting your home and possessions.