Homeowners Insurance

Now I know this is always everyone’s favorite topic to talk about so I don’t need cheesy punchlines I will just get into it. Homeowners insurance protects your home incase of a loss due to a disaster. What people may not tell you is the value might not be worth as much to replace your entire house in the event of a loss. Additionally some types of disasters might be covered under different plans such as:

• Flood insurance

These types of insurance may be specific to where you reside, they pertain to things that may only happen in certain areas of the world. You do not need flood insurance if you live in the dessert.
Common disasters covered under a general home owners policy include:

• fire and lightning
• wind and hail
• explosion
• aircraft
• smoke
• riot or civil commotion
• ice and snow
• theft and vandalism
• water damage

Again these are just generalizations; contact your agent to find out what your covered for. If you want the best assistance around call Drescher’s for a local agency who cares about their clients