Are There Gaps in Your Homeowners Insurance?

Potential Lapses in Your Home Insurance Coverage 

For many of us, our home represents our biggest asset. From a few hundred thousand to a couple million dollars, it’s no secret that we spent a lot of money on our home. Surprisingly, many homeowners aren’t taking the time to properly insure this asset. You could be missing out on important coverage in your home insurance in Reading, PA policy. Read on for common coverage gaps.

  • Personal Property

All policies have limits. If you have expensive items, such as jewelry, antiques, golfing equipment, musical instruments, and silverware, you may be lacking in coverage. If these items were to be stolen or damaged in a covered peril, you could be looking at the entire cost of replacing and repairing them on your own. To cover the full value of such personal possessions, it’s necessary to schedule them – meaning, to itemize them on your homeowners policy, with each item assigned a value based on a receipt or appraisal.

  • Business Operated Out of the Home

If you operate a home-based business, did you realize that your homeowners insurance policy does not cover it? Don’t assume that your equipment, employees, or customers visiting you at home are covered under your homeowners insurance policy. A rider to the policy can cover some equipment and provide limited liability exposure, but your best option is to secure a business owner’s policy (BOP).

  • Floods and Earthquakes

It’s common for homeowners to assume that natural disasters are covered by their policy. Unfortunately, this is a costly mistake to make. Many standard home insurance policies do not cover flood and earthquake damage. If you live in areas where this is possible (and likely), it’s important to secure these additional coverages as the damage can be devastating.

Whether you need a new policy or are looking to move insurers, visit Insurance Offices Ltd. to get started on the right home insurance policy in Reading, Pennsylvania today!



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