Owning a home can be a great investment. Making sure this investment is secure is essential. Purchasing homeowners insurance can financially cover your home in the event perils occur. So, what are some of the perils you can expect to be covered under your homeowners insurance?
It is common for homeowners insurance to cover wind damage. This can include wind from large storms, tornadoes and additional natural disasters. However, some policies will limit or exclude certain types of wind damages, such as roof repair.
If your region has frequent hail storms, homeowners insurance may have different policies regarding damages from these storms. For example, some may only offer limited or no coverage at all for cosmetic damages from hail.
Lightning strikes are a standard peril covered under homeowners insurance policies. If your home is damaged from a lightning strike, dwelling coverage will help pay for repairing the structure of the home.
Flood insurance is not typically covered in homeowners insurance. You may live in an area prone to flooding, such as by a river or the ocean. You may have to purchase additional flood insurance with your standard homeowners insurance. Personal property coverage would cover damages to your personal belongings.
Standard homeowners insurance typically doesn’t cover sewer backup damages. Much like flood insurance, water backup insurance must be purchased separately. This coverage may be best for homes with a basement.
Sewer damage can be extensive and costly. Sewer backup coverage is a great way to protect your home before an accident happens.
We can’t control the weather, but we can protect our home in the case of weather damage. Investing in homeowners insurance can financially secure your hard-earned assets.
Originally from upstate New York, I moved to Park City soon after college to spread my wings and explore the western United States, taking full advantage of the world class golf courses, beautiful mountains and the greatest snow on earth. 20 years later I am grateful to still call Park City home.
Client experience is my #1 objective. I have a passion for helping people realize their perfect Park City experience. My 22 years of resort management provided me with tremendous opportunity to work with so many different people from all over the world, delivering the services and experiences they desired and facilitating them to take advantage of all Park City has to offer.
Having played, worked and raised three children in Park City, my knowledge runs deep of the community and its surrounding areas, and all they have to offer. I am confident I can help you to find your next dream home in this wonderful community.
