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Know Your Home Insurance
Before Disaster Strikes
Understand Your Coverages, Exclusions and Costs
Spring has sprung in the Midwest, which means it’s officially prime-time shopping season for a new home. But before you sign on the dotted line, you’ll need homeowner’s insurance (also called home insurance or residential insurance). With all the craziness that surrounds a closing, this critically important insurance policy is often overlooked. So, just in time for the Spring home tour, here’s your chance to speed learn the You Should Know basics of home insurance.
If you are like 68 percent of American homeowners, you are underinsured against a natural disaster.
By the Numbers
16 Perils
Standard homeowner’s insurance covers 16 different perils – from fire and hail to falling aircraft and volcanoes. It doesn’t cover flooding, earthquakes or acts of war. Know what is or isn’t covered.
That’s your out-of-pocket cost if you are replacing a $200,000 house and are among the 68 percent of homeowners nationwide who are underinsured by an average
of 18 percent.
Flooding is our top natural disaster, affecting every state and costing millions annually. While NOT covered by home insurance, you can buy flood protection.
Source: Floodsmart.gov, National Flood Insurance Program
Further Information
Home Insurance Do’s and Don’ts
Get smart quick with this collection of stories and downloads at United Policyholders, an advocacy group dedicated to “empowering the insured.”
Know Your Stuff® Home Inventory
If disaster strikes, the claims process will go smoother if you have a current inventory of your household belongings. This free online program will help you do just that.
Public Adjustors Can Represent Your Interests
When damages are high or you can’t bird-dog a claim, you can hire a public adjustor to protect your interests. Learn more at MSN Money, or call us for a referral.
You Should Know is a copyrighted publication of Voice2News, LLC, and is made possible by the attorney shown above. This newsletter is intended for the interest of past and present clients, and other friends of this lawyer. It is not intended as a substitute for specific legal advice. You received this newsletter at <> because you indicated to the above attorney your interest in receiving information via email. If you no longer wish to receive these emails, click here to unsubscribe from this newsletter, and your request will be honored immediately. You may also submit such a request in writing to: Steven L. Miller, Editor, 4907 Woodland Ave., Des Moines, IA 50312. Be sure to include your email address.
