Most people don't think much about their home insurance, but the 3 most common things people forget to include are...
Flood Insurance
Flood, for insurance purposes, is defined as a body of water rising. Period. This is often confused with a pipe bursting and "flooding" a basement or any other damage caused by a lot of water.
If you are in a potential flood zone you should secure flood insurance.
For the other issues some general tips....
- make sure all pipes are in good repair - have your sewer line routinely scoped
- leave heat on when traveling to prevent pipes freezing - insurance carriers won't cover pipes bursting because the heat was turned off
- have people check on your home when you are out of town - subsequent damage caused due to lengthy time before discovery is not covered by insurance and can be spendy!
- check draining, seals, slopes, gutters, etc. to make sure things are clean/maintained/adequate. Insurance won't cover damage
- check into backup of sewer/drain coverage. If you have appliances in the basement or a finished basement it is TOTALLY worth adding this coverage
Earthquake Insurance
Earthquake insurance is becoming more and more common as fears of "the big one" increase. A few notes on earthquake insurance...
We have carriers that will go down to 2.5% deductible at a reasonable cost.
We love to help, so feel free to schedule a call by clicking HERE.
*by appointment
IMNW is an affiliate of Chambers Bay & Avenue Ins.
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