Common Misconceptions About Home Insurance

In today’s world, home insurance is a crucial part of homeownership. But what are the misconceptions around this important topic? Client First Insurance Solutions in Americus, GA offers you to take a look at some common myths and truths.

Common Misconceptions About Home Insurance

Myth #1: Home Insurance Is Expensive

Truth: Actually, home insurance rates vary depending on your location as well as the type of home insurance you choose. Many affordable options are available, so you can find a policy that fits your budget.

Myth #2: Home Insurance Covers Everything

Truth: Home insurance usually covers damage to your home and property and personal liability in the event someone is injured on your property. However, it does not cover everything, so be sure to read your policy carefully.

Myth #3: I Don’t Need Home Insurance If I Live In a Safe Neighborhood

Truth: No matter where you live, accidents can happen. A fire or burglary could occur even in the safest neighborhood, so it’s important to have insurance coverage.

Myth #4: I Don’t Need Home Insurance If I Own My Home outright

Truth: Even if you own your home outright, you should still have insurance coverage. This will protect you in the event of damage to your property or liability claims.

Myth #5: My Home Isn’t Worth Insuring

Truth: It’s always a good idea to have insurance coverage, even if your home is not worth a lot of money. If something happens to your home, you may not be able to rebuild it without insurance proceeds.

Myth #6: I Can’t Get Home Insurance If I’ve Had Claims in the Past

Truth: You may be able to get home insurance even if you’ve had claims in the past. However, the premiums for this coverage may be higher. Talk to an insurance agent to find out what options are available to you.

Contact Us Today

It’s important to have home insurance, even if you think your home is not worth insuring. There are many affordable policies available, and it’s important to have coverage in case of an accident or disaster. Contact Client First Insurance Solutions in Americus, GA for more information about home insurance. We can help you find the right policy for your needs.

 

Can You Choose the Value of Your Home Insurance?

Home insurance can be a confusing matter. Many people do not know how much home insurance they need, nor do they realize that they can choose the value of their coverage.

Client First Insurance Solutions provides home insurance to the people of Americus, GA. When you are not sure how much home insurance you need, a professional can help. In the meantime, here’s what you need to know.

Consider the Value of Your Home’s Structure

When you choose the value of your insurance, you can consider the structure of your home. You need to consider the age of your home and the care it has received over the years. You also need to think about your home’s repairs and whether the home is up to code. Your insurance agent will help you consider what kind of insurance you need.

Consider the Value of Your Belongings

Then, you will think about the items you own. Your home insurance covers the belongings inside the structure as well, which means that you need to know how much money you might expect to spend to replace all your items.

Consider the Likelihood of a Major Event

Finally, you can choose the value of your insurance policy based on the likelihood that your home might be damaged by a major event. This means you might need to consider potential weather disasters, for example.

Get Home Insurance That Works

Are you looking for home insurance solutions that meet your needs? Client First Insurance Solutions serving Americus, GA can help. Get in touch with our office today to speak with an insurance agent about your options.

Kinds of Damage Home Insurance Won’t Cover

Before you buy your home insurance in Americus, GA, it is always important to consider what will be covered and what will not be covered. Many homeowners are surprised when filing a claim after realizing certain damage is not covered by the policy. Client First Insurance Solutions has analyzed all the damages that are not covered for a comprehensive understanding.

Sewer Backup Damages

A simple home insurance policy will not cover all the damages that are caused by sewer backups. Most insurance organizations believe that most of the sewer backup damages are caused by outdated sewer systems, excess floodwater, and overgrown roots from the trees. In such cases, it is not the insurance company that is supposed to cater for such expenses. Homeowners are advised to look for comprehensive home insurance policies that may cover the issues listed above.

Earth Movement Damages

Home insurance policies will not cover sinkholes, earthquakes, and earth movement damages. It is always necessary to analyze the geographical region where the home is located to buy an additional home insurance policy that is specifically designed to cover such natural problems. Some insurance companies might agree to cover such perils if the amount paid for the premium is increased.

Damages from Lack of Maintenance

If your home is damaged by pests, rodents, and mold, the home insurance policy will not help because insurance agents will interpret this as negligence. Therefore, you need always to ensure that you are maintaining your home regularly to address all issues that can affect your home. Working with a professional home maintenance expert can increase the chances of a successful home insurance claim.

Client First Insurance Solutions is one of the leading home insurance companies in Americus, GA, and has multiple home insurance policies. You can contact us today for professional home coverage.

Why Owning a Pool Affects Home Insurance

In lieu of expensive vacations these days, many Americus, GA residents opt to keep things closer to home and add a pool to their backyards. However, this could have a pretty significant impact on your homeowner’s insurance. Here’s what you need to know about how owning a pool affects your home insurance coverage.

Increased Liability Risk

In most cases, a home swimming pool is referred to in the industry as a pleasant nuisance. What that means is that it is highly attractive to trouble, such as small children who might be unattended or neighborhood animals. In turn, that raises the chances of a serious incident from happening.

A simple $100,000 of liability coverage on your home might not be enough if you own a pool. Accidents can happen at any time, so it is always a good idea to talk to your Client First Insurance Solutions insurance agent and determine how much more coverage you need on your policy to help protect your financial wellbeing.

Possible Damage to Equipment

Pools are expensive to maintain, and pumps, hoses, and other items certainly aren’t cheap. To ensure your homeowner’s policy covers these items after a catastrophic event, you’re going to want to make sure you’ve discussed the process with your insurance agent.

Further, some carriers consider pools (especially in-ground ones) as a separate structure of your home. If you never mention your new addition to your home to your agent, there’s a good chance it would not be covered in the event of a serious claim.

Beware of Local Municipality Guidelines

Where you live often matters when it comes to swimming pools and homeowner’s insurance. If you’re required to have a fence for your in-ground or above ground pool, you’ll likely be required to have one to meet underwriting guidelines, too.

Ready to discuss your Americus, GA homeowner’s insurance policy? Please contact our Client First Insurance Solutions team today to schedule an appointment.

Top Questions to ask when looking for a home insurance policy

As a homeowner in the Americus, GA area, you know how important it is to protect your home with a homeowners’ insurance policy. We at Client First Insurance Solutions are here to help guide you on the crucial questions you should ask before purchasing a home insurance policy. 

How is my house valued if it needs to be replaced?

The policy can provide coverage for actual value or replacement cost. The actual cost is the price of the home minus any depreciation. Replacement cost will pay to replace the house regardless of the current market value. 

What is my insurance company AM Best Rating?

It is vital to pick an insurance carrier with a strong AM Best rating. A strong rating indicates the insurer is financially stable, and there is a better likelihood that the company will be around to pay the claim out in the event of a loss. 

Is my jewelry covered?

A homeowners’ policy typically has a limited amount of coverage for jewelry. If you have a collection that is worth a large sum of money, you will want to take out additional coverage for the jewelry. 

Do I need to buy a separate flood policy? 

Many people make the incorrect assumption that floods are a covered peril under a homeowner’s policy. Most carriers do not automatically provide flood coverage, so it is essential to find out if you need a separate policy. 

What is the process of filing a claim?

In the event you have to file a claim under your policy, it is critical to know the process ahead of time. If you are a person who likes to manage matters online, you will want to make sure the company has an online claims process. Alternatively, if you wish to speak to a person, you may want to make sure the company has a 24-hour phone number to call.

If you have additional questions about homeowners’ insurance, reach out to Client First Insurance Solutions today. We proudly serve the Americus, GA area.