Buying your first home is exciting. So many new things to worry about all at once. You don’t want your home insurance to be one of them. It may be a little confusing figuring all the information on your insurance policy out, but it is much easier with an independent agent to help you. At Insurance Solutions LLC in Omaha, NE, you can count on us to be there for you with any questions you have and, more importantly, when you need to file a claim.
Home insurance doesn’t cover everything
As a new homeowner, you may think that you have total protection. That isn’t quite the case, and you could be in for quite a shock if you aren’t aware of the things that your home insurance doesn’t cover. Common exclusions include:
- Flooding
- Earthquake
- Sinkholes
- Owner neglect
- Sewer backup
What kind of content coverage to choose
You have options when it comes to content coverage. Do you want to replace everything that you own, or do you have lots of things that you wouldn’t be bothered to replace? If you want to have everything you now have, you need to have replacement cost coverage, but if not, you can do with actual value coverage, which allows for depreciation.
How much liability insurance to have
Liability insurance protects you against legal action taken against you. It puts your assets at risk if your coverage is not high enough. What liability level you need depends on your assets. Talk to your insurance agent about the level that is right for you. If necessary, an umbrella policy can top off the liability coverage you have.
In Omaha, NE, Insurance Solutions LLC is here to offer you the service you require for home insurance.
