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Home insurance protects your home and belongings – is your coverage enough?

Home policies can become complicated. Scratch that – any insurance policy can be confusing. With that said, it’s in everyone’s best interest to brush up on some key information before diving in!

For every homeowner looking to protect their dwelling and belongings (and who isn’t?), check out these tips:

  1. Knowing your coverage is priceless: Always know your coverage. It’s simple, and it means that you’ll sleep better at night by knowing that you’re covered! Be sure to know the coverage for the structure of your home, your personal belongings, your liability protection, and if any additional living expenses are included.
  2. Determine the values of your possessions: Keep an inventory of all of your belongings, including photographic or video evidence. By totaling up the value of all of your goods, you will have a better understanding of how much coverage you’ll need to all of your home’s contents!
  3. Purchase earthquake and flood insurance: If you live in an area that could potentially be affected by a flood or earthquake, it’s a good idea to get some extra coverage. Standard policies cover fire, hurricanes, lightning, and hail while flooding and earthquakes are rarely covered. Know the history of your region to be sure that you’re not at risk.
  4. Secure the home as much as possible: It’s any homeowners’ nightmare to imagine something happening to the home when no one is there. Improve the security as much as possible, but bear in mind that effective alarms and monitoring systems can be costly. However, some insurance companies will offer discounts for things like burglar alarms and smoke detectors!

Homeowners, do you have the most customized policy for your home and budget? Don’t leave safety on the doorstep – your home can stay protected with the professional policies from Abbate Insurance. We serve homeowners within New Haven and surrounding cities in Connecticut! Contact us today to get started.

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