When you buy a home, you also need to select
homeowners insurance in Mountain View, CA. Real estate is a costly investment, and without insurance you could end
up in financial trouble if something unexpectedly damages your home. There
are many homeowner’s insurance myths and misconceptions, which can
make selecting a policy somewhat confusing. Read on to learn how to select
basic homeowners' insurance policies include coverage for damage to the structure of your home, and limited
coverage for your belongings inside your home. Should lightning, hail,
fire, or wind cause damage, your insurance will pay up to the value of
your policy to help fix it. You should make sure that your coverage is
enough to pay for major repairs, so it should be more than half the value
of your home. Also, make sure you policy includes coverage for structures
like garages and decks that are not part of the house proper.
You should select a policy that includes liability protection for you,
your family, and your pets. Then, if your, your child, or your dog causes
damage to anyone else’s property, you are covered. Liability insurance
should cover the expense of hiring a lawyer, and the cash value of any
settlement or award up to the value of protection. For optimal security,
you should purchase coverage of at least $300,000.
Extra Disaster Insurance
Flood insurance and earthquake insurance are not included in standard homeowner’s
insurance policies. These coverages must be purchased separately. In the
Bay Area, earthquake insurance is of course necessary, but so is flood
insurance. Even if you don’t live near water, sewer line backups,
flash flooding from rainstorms, and burst pipes can damage your home.
The friendly, knowledgeable agents at Damberger’s Insurance can help
you find the policy that’s right for you by
debunking homeowner’s insurance myths and building a comprehensive package that includes the coverage you need
for liability and disasters. Call (650) 419-8636 to speak with us today!