Home Insurance: A Modern Solution

​Understanding the value of hard work comes with ensuring that the fruits of your labor don’t go to waste. A modern solution is to insure your valuable assets, including your house. Here's how you can be guaranteed that having home insurance is one of the best decisions that you can make. 

What are reasons to get home insurance?
Compensation for structural damages isn't the only benefit of getting your property insured. You can also get these on top of your primary home insurance policy.

1. Some home insurances pay to replace damaged property and personal belongings. It would even pay for furniture, household goods, and other personal valuables like jewelry and gadgets.
2. Other insurances have policies that cover your living expenses while you do repairs and recover from the damages.
3. A liability protection type of insurance pays for the expenses when someone gets hurt while on your property. 

What would not be covered? 
Though it's great to have things mentioned above covered by your home insurance, some are still excluded from standard policies. A flood insurance policy is particularly for damages incurred in flood.

An identity theft incident will get you to spend a lot of money but will not be covered. Damages resulting from neglect of the property, such as termite and rodent damages, and even just the regular wear and tear, are also not included. There are separate insurance policies for those, so It is better to ask your insurance provider about it. 

What You Need to Do: 
A lot of people think that getting home insurance requires going through so many steps and processes. You don't have to when you know what to do in every step.  
Obtain Quotes
While asking about policies, certainly do not forget to ask about discounts and coverages that best fit your situation.

Purchase a policy
Different payment options will be provided to you. You may need to sign an application and make a payment before everything else sets in place.

Maintain a policy
Make sure to notify your provider whenever you make changes to your home just in case your policy covers it.

File a claim
Nowadays, it's easy to file a claim because you can do it online through an app. If you prefer the old way, you can give your agent a call. There would be questions and photos that you might need to provide regarding the damages that occurred. 

Once your offer is such, your agent will take care of the rest. If you are still hesitant about getting a better policy for your house, consider all the advantages that come with it. You may be thinking about the additional expenses, but, in the long run, these benefits would still outweigh future costs.
 
At Appletree Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (603) 881-9900. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.