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While most people know they need home insurance, they may not know about just how many variations are available within the policies. The contracts and terms can be adjusted to fit your property, and they can be updated when you need to drop or add coverage. Consider these facts, so you know whether or not you need to change your home insurance.
Mold, Belongings and Floods
Many people might call on their home insurance policy if they experience common problems like water damage from flood or a mold infestation in the structure of their home, but they may be surprised to find out that they’ll have to shoulder the costs of this on their own. Also, your belongings very well may not be protected either. Replacing your things after a theft or natural disaster can be astronomical, and the emotional burden of having lost your possessions makes it far harder to do. Repairs can also run you into the thousands, which can be impossible for the average homeowner.
Customizing Your Home Insurance Policy
If you buy an expensive piece of jewelry or art piece, then you likely don’t think to update their insurance policy. However, even if your possessions are covered, there’s generally a cap at how much the insurance company will pay for. The beauty of insurance is that you have the ability to change your policy if you need to. Look for a company who you can count on when you have questions.
E.S.T.I.R. Inc. serves the people of Manassas, and can help you find a policy that works for you. We’re happy to give you the facts of insurance and then let you make the final call. Contact us if you need a quote!.