Home and Renters Insurance
If you own a home, you are required to have homeowners insurance on the property while it is being financed. These policies protect your home from many different events that could leave you and your family facing financial hardships if you are not properly covered.
Depending on where you live, a typical homeowner’s policy will cover the following events:
• Fire and smoke damage
• Wind and hail damage
• Falling objects on your home (tree)
• Theft and damage from the robbery
• Frozen pipes that burst
• Water damage from appliance failures
• Injuries that occur on your property, including dog bites
• Personal property within the home up to a certain value
Tropical storms and hurricanes generally require a special rider to be added to the policy. Additionally, flooding or water damage from any other source than a broken appliance is not covered under homeowner’s policies. Separate flood insurance must be purchased.
Valuable antiques, artwork, collectibles, heirlooms, jewelry, and high-end furnishings and clothing should all have a separate policy to cover loss or damage.
Cost Of Homeowner’s Insurance
There are many factors that will determine the amount of your homeowner’s policy. Some of these factors include:
• Value of the home
• Age of the home
• Age of the roof
• Area where the home is located
• Proximity to a fire station
• Amount of the policy
• Deductible choice for the policy
• If additional riders are added to the policy
Other factors could be used to determine the cost of your policy, including the amount of your deductible. It is highly recommended that you never choose a deductible amount that you cannot quickly pay at any time. Accidents or events that cause damage to your home can happen at any time. You do not want your home to suffer because the deductible is too high.
Renters Insurance Policies
Renters insurance is an affordable product that offers protection to people who rent their dwelling. Not only are your personal belongings protected with these policies, but you will also have protection if you cannot live in your apartment because of damage and if any of your guests require medical care from an event that happens in your apartment.
Renter’s insurance also covers electronics failure due to lightning strikes or similar events. Your policy will also cover the costs of legal fees if your dog bites another dog or person.
Speak With A Knowledgeable Agent At VMC Trucking Insurance
If you are looking for an affordable home insurance policy or a renters insurance policy, speak with the professional agents at VMC Trucking Insurance. VMC Trucking Insurance is a leading provider of many insurance products, including home insurance policies.
VMC Trucking Insurance is an Illinois business dedicated to the insurance industry. They currently offer policies in Illinois and in the following states: AL, AZ, CA, CO, DE, FL, GA, IA, IN, LA, MD, MN, MT, NC, NV, NJ, OH, OK, OR, PA, SC, TX, VA, VT, WA, and WI. VMC Trucking Insurance has been actively selling policies for over five years. Speak with one of our reps today to see how we can help you.