Buying a home is a significant investment for most people. It’s essential to understand how to protect this investment adequately. This is where home insurance comes into play. But not everyone fully comprehends their policy, making it difficult to apply it effectively when the need arises. Here, we at Ferrell Agency strive to make these concepts clear for our Columbus, OH clients.
Coverage
Home insurance policies typically cover your home and personal property against risks like fire, theft, and certain kinds of water damage. Also, you get liability protection in case someone gets injured on your property.
Exclusions
However, there are common exclusions. For instance, standard home insurance does not cover flood damage. This is why it’s crucial to carefully review your policy and understanding what’s covered, and what isn’t.
Riders
Certain valuable items like jewelry, art, and collectibles may need additional coverage. This is possible through riders or add-ons on the policy.
At the Ferrell Agency, located in Columbus, OH, we believe that knowing your home insurance policy – coverages, exclusions, and riders – comes with peace of mind. It ensures your property and personal items are adequately secured and helps prevent any unpleasant surprises in unfortunate scenarios.
Our dedicated team is ever ready to help you understand the intricacies of your home insurance policy. Enlightenment is only a call away!
