Did you know that June is National Homeownership Month? This month we’re taking a closer look at everything that is involved in owning a home. At Morin Insurance, we know that owning a home is an important goal for many people but that it also comes with many risks and responsibilities. When it comes to getting home insurance in CT or NH, you want to ensure that you get the right coverage. Your insurance plan covers several possible instances of damage, but you may not be aware of the specifics.
Here are some things you might not know are covered—or not covered—by your home insurance.
Replacing Your Locks
There are several reasons why you would want to change the locks on your house, but if you do it for security reasons, it might be included in your homeowners’ insurance. If someone attempted to break into your house and you need to repair or upgrade your locks, that’s an expense your policy could cover. Whether or not the burglar was successful, you can send images of the damage to your insurance agent or they can send someone out to take a look and assess it.
Outbuildings and Landscaping
Often a home insurance policy covers everything on your property. That can extend to your shed, gazebo, or even trees and landscaping. If there is a storm and a tree comes down, your insurance policy could help you with the cost of removing it and repairing any damage it caused. Many homeowners store valuable equipment in their sheds, including lawnmowers and snowblowers. If your policy covers your shed, it probably covers any possessions you keep inside it as well.
Remodels and Renovations
This is where things start to get a little tricky. Depending on the reason for your remodel or renovation, your policy may not extend to the new work, either while it is in progress or after it’s finished. Whenever you are planning extensive work on your home, you should always consult with your insurance agent before it begins. You want to know what is covered and what is and if you should purchase extra insurance while the work is in progress. After your remodel or renovation is complete, you should contact your insurance agent again. Your existing insurance coverage is based on the value of your home as it was. Changing the footprint of the building and changes in the value of your property will require reworking your insurance policy.
Home Insurance in CT and NH from Morin Insurance
When you’re buying home insurance in CT or NH, you want to know you’re getting from someone who has your best interests in mind. At Morin Insurance Agency, our goal is to protect you and your assets with the best coverage at the best price.