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4 Important Reasons To Invest in Home Insurance - Finnegan Pierson - Blog

4 Important Reasons To Invest in Home Insurance

Why would you need to invest in a home insurance policy? How is paying monthly allotments for something that could happen a good idea? According to the Insurance Information Institute, approximately 5.1% of homeowners used their policies in 2019. While that number may seem small, those applications totaled millions of dollars in losses that individuals may not have been able to incur on their own. Annually, it remains pretty consistent: things happen, and people need assistance when those calamities occur.

When you get in the car, you probably strap on the seat belt – just in case of an auto accident, hoping for the best in a worst-case scenario. Insurance policies act similarly. While you don't put them over your body, they do cover your home, aiding you in times of peril or significant expenses. With it, you're armed against trouble. The following are four primary reasons to get a homeowners policy.

  1. Assist With Major Repairs

Unexpected events occur every year. Some geographical areas face hurricanes, tornados, earthquakes or blizzards that ravage the area, leaving behind significant construction needs. Some houses could be leveled, requiring a complete rebuild. Others could suffer from a fallen tree, water exposure, mold, fire or roofing issues. When faced with this magnitude of loss, residents could struggle to find the funds to restore timely, safely and adequately.

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When you speak with your agent about different home insurance quotes and plans, ask about natural disaster coverage and how their company deals with the situations. They should have people ready to assess and rebuild to get you back on your feet. 

  1. Protect Your Mortgage Loan

In most states, you have to obtain insurance to finalize a mortgage loan. The lender, after all, is fronting a hefty sum; they care about the property and investment. When you fail to secure it for them, they face potential loss themselves, making their organization vulnerable. Thus, banks and other financial institutions insist on insurance policies. With that on file, they know that you should handle damage that could hurt the land or structure.

  1. Offer Liability Protection

In today's world, what happens on your property is legally your fault. Did someone trip while going through your yard? Did someone fall down the stairs? Maybe a worker injured himself while in your home? It's not as simple as an apology. Instead, you become responsible for that person's care. You could be sued for negligence or medical payment. Part of a homeowner's policy is to assist with liability suits. 

  1. Help With Theft and Content Loss

Inside your place, you have a wealth of belongings such as appliances, electronics and personal investments. Could you afford to replace them all without a problem? How would you restock everything all at once? It's hard to face that massive bill should it happen. Insurance coverage applies to content loss in times of disaster, unexpected incidents or theft.

If a water pipe breaks or the sewer backs up, you face complete loss of porous items, which means furniture, toys, paintings, decor. The room is contaminated, and those pieces require either specific and professional cleaning or gutting. Insurance could work with a content restoration company to sanitize and restore. If that isn't possible, insurance could send a check to replace it.

A criminal could take electronics and jewelry, and a storm could wipe out your air conditioner. When these events happen, document them with the police and work with an agent to receive checks for replacement.

Motorcycle accidents. happen all the time, and we prepare for those. Why not prepare for the inciddent of your home being broken into. Think of your insurance premium as a defense system. By making smaller payments each year, you gain protection, so you don't have to panic when stressful, unexplained things happen. After all, you can't control the weather or every natural event, but you can give yourself a leg up on fixing things that do occur. So if you find mold in your closet or your neighbor's car runs through the front room, you have a fallback plan. 


Publish Date: December 21, 2021 12:11 AM

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