A house is probably your largest investment. While sheltering you, it is exposed to many risks such as weather, crimes, and accidents. In order to save your abode from the unexpected costs of these events, a homeowners good homeowners insurance policy is a must. It not only protects your home but will also give you a sense of security. There are many factors to consider in selecting the right homeowners insurance for you. It is also important to be informed of the most common claims. Here are the top 5 prevalent causes of home insurance claims.
There are cyclones strong enough to rip houses apart. While these kinds of cyclone aren?t commonly found, less strong winds can still cause smaller objects to fly into our house and damage it. A hole through your roof or your window is not something to look forward to.
Heavy rain can cause big floods that damage the electricity or cause structural damage to the house. Even leaks and freezing from pipes is a huge problem. Getting insurance against flood is beneficial. However, most homeowners policies don?t automatically include flood coverage. You can only secure flood insurance through the National Flood Insurance Program.
Fires can be caused by a lot of things. Faulty wiring, negligence, appliances. Fire protection doesn?t have to be difficult but most fires are caused by accidents. While it is true that being careful will make you safer, sometimes it will not keep the fire from happening.
We?ve all heard stories about hailstones denting cars and damaging houses. Most homeowners policies provide coverage for damage by hail. Just note there may be restrictions as far as a separate hail deductible that may apply. If you have any concerns regarding your policy, talk to your insurance agent.
Ice and Snow
The weight of the snow and icicles may cause the roof or even the whole structure of the house to collapse. It is best to be prepared for the worst especially if you live in the areas where there is a probability of heavy snow.
It is important to be informed of what you really need when it comes to protection. A homeowners insurance policy can be your best friend when calamities strike. With the news of wars and hurricanes nowadays, it?s a good decision to invest on it. At Velox Insurance, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (855) 468-3569. Get your free quote today by CLICKING HERE.