Call Us (256) 734-8711 ☰ ˟
Deese Insurance Logo
(256) 734-8711
  • Get a Quote
  • Personal
    • Auto Insurance
    • General Liability Insurance
    • Homeowners Insurance
    • Mobile Home Insurance
    • RV InsuranceImage of right arrow
      • RV Insurance Quote
    • Watercraft & Boat Insurance
  • Business
    • Auto Repair & Garage Quote
    • Business Owners (BOP) Quote Form
    • Business Owners Policy
    • Commercial Auto Insurance Quote
    • Contractors Insurance Quote
    • Contractors Commercial Insurance
    • General Liability Quote
    • Workers Compensation Quote
  • Blog
  • About Us
    • About Us
    • Location & Hours
    • Refer A Friend
  • Contact
    • Contact Us
    • Find Us on Google Maps
    • Follow Us on LinkedIn
    • Follow Us on Facebook
    • Follow Us on Twitter
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

Deese Insurance specialize in finding home insurance that fits your needs

Get a Quote
Icon

Small Business

Learn more about our different coverage options for small businesses

Get a Quote
Icon

Commercial Auto

Protect your business cars with commercial auto insurance

Get a Quote
Icon

General Liability

Protect you and your business from liability claims

Get a Quote
Icon

Contractors

Learn more about how to protect yourself as a contractor with coverage.

Get a Quote
Home > Blog > 3 Tips for Understanding Home Insurance
TUESDAY, FEBRUARY 8, 2022

3 Tips for Understanding Home Insurance

After you first buy a home, the process of getting together all of your paperwork and funds is exhausting even without the need to consider home insurance. It's why many people end up choosing a policy that's based on little more than convenience and cost. They only learn more about their plan when they're forced to file a claim. Here are a few tips that may be able to put home insurance into perspective for you.

Home Insurance Is Not Necessarily Requireda view of a city

If your home has a mortgage or other financing, then that lender will likely require you to have home insurance. The parameters of the coverage may vary. The idea is the lender is not going to allow a covered event to destroy their investment in your property. However, if you own your home outright, you don't necessarily have to buy coverage. You should still have a policy to avoid serious damage, and some HOAs even require it. But it's worth knowing that not every homeowner has to have a policy.

Home Insurance Does Not Always Cover Personal Property

Some policies will cover the grounds and structure of your home only. That leaves you to replace your personal property should it become damaged. When home buyers first move in, they may be furnishing the home with secondhand furniture and clothing. But as you accumulate more things, you need to consider the possibility of how you'll replace them should they get destroyed or stolen. Generally, it is easy to add personal possessions coverage to your policy.

Home Insurance Is Flexible

There are certain things that home insurance generally does not cover. If you live in a state like California for instance, it's not going to cover earthquake damage unless you get a specific rider for it. Riders are essentially additions to your policy that give you special coverage for certain types of damage. Your policy will usually list what incidents are and are not covered. It pays to research what's protected before you assume.

Home insurance is a complicated matter. When there are so many unforeseen ways for property to sustain damage, it's impossible to list or even predict every event. Staying practical about your policy starts by asking questions to get a better idea of how your carrier can handle a complicated claim. Each company will have its own rhythms that contribute to the final benefit of your coverage.

Posted 10:03 AM

Tags: home insurance, home, insurance, homeowner, homeowners insurance, tips for home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019

  • insurance(9)
  • home insurance(8)
  • business insurance(8)
  • auto insurance(6)
  • homeowners insurance(6)
  • boat insurance(5)
  • coverage(4)
  • general liability insurance(3)
  • contractors insurance(3)
  • policy(3)
  • renters insurance(3)
  • business(2)
  • rv insurance(2)
  • business owners policy(2)
  • bop(2)
  • tips for home insurance(1)
  • liability(1)
  • mobile home insurance(1)
  • professional(1)
  • vehicle(1)
  • hurricane insurance(1)
  • recreational(1)
  • belongings(1)
  • deductibles(1)
  • owners(1)
  • renters(1)
  • dwelling insurance(1)
  • business owners insurance(1)
  • homeowners(1)
  • travel(1)
  • commercial(1)
  • roof repairs(1)
  • deck repairs(1)
  • home age(1)
  • general liability(1)
  • commercial property insurance(1)
  • restaurant insurance(1)
  • workers’ compensation insurance(1)
  • car(1)
  • motorcycle insurance(1)
  • storm insurance(1)
  • alabama(1)
  • builders risk insurance(1)
  • contractor insurance(1)
  • builders risk(1)
  • car insurance(1)
  • factors affecting rates(1)
  • homeowner(1)
  • small business insurance(1)
  • auto(1)

View Mobile Version

Contact Us Today!
(256) 734-8711

facebook twitter linkedin google yelp youtube

Follow Us on Social Media!

Resources

  • Products
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1211 2nd Avenue NW Highway 31-Creel Plaza
Cullman, AL 35055

P: 256-734-8711 | E:info@deeseinsuranceagency.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder