“The best we can do is size up the chances, calculate the risks involved, estimate our ability to deal with them, and then make our plans with confidence.”
– Henry Ford
To protect your home, you have a home insurance policy – but do you know exactly what coverage is a part of your policy and what risks you may be more susceptible to? Every insurance policy is different, but there are a few basic coverages that you can expect.
Your home insurance will likely cover:
- Damage done to your home or property due to perils stated in the policy.
- The possessions of you and your family, including those not kept at your home.
- Liability issues arising from injuries taking place at your property.
On the other hand, coverage for the following probably won’t be included:
- Flooding caused by excessive rainfall or other natural disasters.
- Earthquakes – some experts say that Boston could be hit by another significant one in the future!
- High value items including fine jewelry, antiques, and collections.
- High-risk items like trampolines or pools, or liability issues due to dog breeds deemed ‘high-risk’ by insurance providers.
The only way to find out exactly what your policy includes or doesn’t include is to talk to your Boston insurance agent at Vargas and Vargas Insurance Agency by calling 617-298-0655. We can comb through your policy and let you know if you have the right amount of coverage and recommend any additional protections that you may need.
