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Why having the right home insurance pays off.

While most homeowners understand the need to protect their property with the right insurance, many are unaware of everything that their home insurance in Ventura, California can do for them.  Curious to learn more about the benefits associated with your policy?  Then here are some of the surprising things that your home coverage can do for you.

1) It Will Offer Coverage for Pet Bites

If your dog or cat were to bite someone, then this would be considered a personal liability issue.  Fortunately, all standard home policies come with personal liability coverage.  This means that your homeowners insurance would cover the cost of the injured party’s medical costs and your legal fees should they decide to sue.  Please keep in mind that some insurers may refuse to cover certain “dangerous” breeds of dogs.  So, check with your insurer to make sure that your furry friend is covered.

2) It Will Help Bring Your Home Up to Code

If you home sustains major damage, then you know that your home insurance coverage will help you pay for repairs.  However, did you know that your insurance will also help you pay for the upgrades that you need to ensure that your home adheres to the latest code requirements?  For instance, if your home is partially burned down in a kitchen fire, then your insurance would pay to rebuild your home.  Additionally, if there is a new law that requires homes to have built-in sprinkler systems, then your insurance would also cover the cost of installing sprinklers as well.

3) Coverage for the Damage Caused by Power Outages

While most power outages are fleeting and little more than an annoyance, a prolonged power outage can have more serious consequences.  Most notably, you will have to throw away all the perishable foods in your fridge and freezer due to spoilage concerns.  Fortunately, your homeowners insurance may offer coverage for this loss and will help you pay to restock your fridge once the power returns.

These are some of the unexpected benefits of having the right home insurance in Ventura, California.  Curious to learn more about what having the right homeowners coverage can do for you?  If so, then contact the experts at John E. Peakes Insurance Agency.  We are ready to assist you with all your insurance needs today.

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