Tropical StormIf you have homeowners insurance, you already know that it covers property damage and liability risks. But exactly what types of damages are covered? Apart from theft and vandalism, many natural disasters are covered under most standard homeowners insurance policies, such as:
  • Fire
  • Severe storm
  • Hail
  • Tornado
  • Hurricane
Being that these are some of the most common natural disasters across much of the country, many people are comfortable with standard home insurance. However, these policies typically exclude flood and earthquake coverage, which will need to be purchased separately if desired.

Now that you know what types of natural disasters are included, what exactly can be repaired or replaced in the event that one of these disasters damages your home?
  • Property damage: Covers the structure of your home, including detached structures on your property such as a shed or fence.
  • Personal belongings: Covers the contents within your home, generally up to half the total value of your home's structure. If you need extra contents coverage or coverage for antique/high value items, you can often purchase a policy rider.
  • Relocation costs: Covers living expenses associated with temporary relocation if a covered disaster renders your home uninhabitable for a period of time.
This all sounds great, right? But most American homeowners are underinsured without even knowing it. Having the correct amount of homeowners insurance is vital when it comes time to file a claim. Think of it this way: fires cause over $7 billion of damage and tornadoes cause over $28 billion of damage across the country each year. With a good insurance policy at your side, your only expense after suffering through a natural disaster is likely the deductible you select (unless damages exceed policy limits).

Talk to your independent agent today to ensure that your policy fully protects the needs of you and your family for years to come.

Get the coverage you need. Call Salzberg Insurance Agency at (757) 583-1828 for more information on Norfolk home insurance.
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