Most people don’t ever read their home insurance policy, and unless they need to file a claim, they rarely think about it at all. But it is important to make sure you have the right coverage to protect your home and yourself. At August Vincent Insurance Agency in Huntley, IL we make sure that all of our customers have the right home insurance at the best price possible.
Home insurance FAQs
Is home insurance required if you don’t have a mortgage?
No, if you don’t have a mortgage, you are not required by law to have home insurance, but since it is one of the largest purchases you will ever make, it makes sense to insure it.
Does my home insurance cover a dog?
It depends on the breed of your dog. Some breeds are considered dangerous and are not covered by home insurance. Check with your insurance agent to make sure that you have the coverage you need.
Is jewelry covered by home insurance?
Jewelry is covered by home insurance but it has a very low limit. If you have more than just a small piece or two, you need to have separate jewelry coverage.
Are floods covered by home insurance?
Floods are one of the exclusions to a typical home insurance policy. Flooding caused by a burst pipe is covered but surface water is not. You can, however, get a flood insurance policy from the NFIP.
Is a home inventory necessary?
You didn’t need to have a home inventory but if your home is hit by a covered peril and you need to file a claim, you will be glad that you have one. You can provide it to the insurance company as proof of what was in your home before the peril hit.
Contact August Vincent Insurance Agency in Huntley, IL with all your insurance questions and needs.
