Do you have valuables or a custom home? Ensure you’re properly protected with homeowners insurance in Antioch, CA.
Seeing your home damaged or completely destroyed is a devastating experience. You might not think that things can get any worse; that is, until you learn that your homeowners policy doesn’t respond as you expected. Unfortunately, many homeowners mistakenly believe that all insurance policies are the same without considering whether their coverage is appropriate. No two homes have the same contents and risk, so each homeowner should receive tailored and customized homeowners insurance in Antioch, CA. Here’s why!
Contents and Valuable Possessions
Most insurance policies cover personal belongings like furniture, clothing, jewelry, electronics, and appliances, but only up to your policy limits. Be sure to update your inventory list of all of personal possessions along with their estimated value.
Under your basic homeowners insurance, personal property coverage may only extend up to a certain value. If this is the case, and your belongings exceed the limit given, you’ll need additional coverage. Valuable items that may exceed such limits include jewelry, artwork, furs, high-end cameras, collectibles, or other personal items of high value.
Whether you live in a custom-built luxury home or a historic home constructed with materials and craftsmanship that are hard to find, you’ll want to know that if your home is damaged, your insurance policy will pay for the costs to rebuild and restore your home. Some standard policies may not include the fine detail that your home requires, but a customized policy can do just that!
Homeowners insurance typically provides liability protection that pays for the cost of defending you in court from lawsuits resulting from bodily injury or property damage caused by you or a family member. The liability coverage provided on a homeowners policy may not be enough to adequately protect wealthy individuals, but additional coverage can be obtained through a personal excess liability or umbrella policy.
If your home is located in an area at risk for natural disasters, such as hurricanes, earthquakes, or tornadoes, you’ll want to make sure that your policy protects from these events!
Are you ready to get started on your customized home insurance policy? Contact Jack Stone Insurance Agency, serving Antioch, Brentwood, and neighboring cities in California, to receive your designed protection today.