Most homeowners in the Huntington, TX area know that one must maintain a homeowners’ insurance policy. However, some fail to realize that some features in a home are not automatically covered or are included on a limited basis. An agent at the Integra Insurance Services can walk through the features of your home to determine if you will require additional coverage under your homeowners’ policy.
Houses with oil heating
If you have an older home and it uses oil to heat the house, you will need to add additional coverage. Oil is highly flammable, so extra coverage under your policy will provide additional protection.
It is imperative to understand the coverage provided under your home insurance policies for swimming pools. Claims related to pool injuries or death can be extremely high. If your policy limits or excludes this coverage, it is imperative that you add the coverage to your policy.
While you may consider fine art personal property, there is a good chance your limit on your homeowners’ insurance policy will not be enough in the event of a claim. It is critical to know the value of the fine art you would like to insure and purchase additional limits. If you have an extensive collection of fine art, you may want to consider a separate fine art policy.
Do you have a media room in your home filled with computers and expensive electronic equipment? If so, you will want to make sure you are purchasing additional limits to cover the computers and electronic equipment.
Home Business coverage
If you work from home, you should speak to your agent about adding on coverage for your home-based business. A homeowners’ policy will not automatically cover the equipment used for the business of any liability claims if a third party is injured at your home office.
If you would like to discuss adding additional coverage to your homeowners’ insurance policy, reach out to an agent at Integra Insurance Services today. We proudly serve the Huntington, TX area.