When you own a home, you probably also have a homeowner's insurance policy. It is very important that you understand what your homeowners insurance entails so you can make a claim at the appropriate time. There are many people that do not take time to read the details of their insurance policy, and end up missing out on opportunities to file a claim.
The additional coverage comes in the form of riders. The good news is that you can add riders to your policy to cover items that your average home owners insurance simply does not cover. The bad news is that these riders will cost you a little extra.
After an accident, look around and try and notice any violations of traffic laws. Was there a stop sign that the other person didn't see? Did you forget to yield to a pedestrian? Were they speeding in a school zone?
Knowing the basics in these situations can lead to an easy way to determine who was at fault. Police officers know the law better than you will. Always make sure to call the police for an accident and have them put there official opinion into the mix.
However, it probably does not cover the jewelry in the event of theft. For this purpose, many people opt to add a jewelry rider to their insurance. Actually, jewelry riders are fairly inexpensive and worth the money. If you own a sizeable amount of jewelry in your home, then this rider is probably right for you. Catalog all of your jewelry and list in the policy so that the value of each piece is known to you and your insurance provider.
Writing down what happened when it is fresh in your mind, will ensure you can remember as many details as possible.
If you are frustrated with your homeowner insurance, or if you have had your policy for many years, you may want to start shopping around. When you shop around, you can start to understand if your premiums and your deductible are comparable to other companies.
Nobody likes to plan for when these accidents happen but making a few steps of preparation can go a long way. Small things like keeping a pen and paper in your car for when this happens or always making sure to have your phone on you when you drive can go a long way.
Be sure to thoroughly comprehend your home owners insurance policy. Having adequate coverage is important and is accomplished by doing your research into plans, providers and riders. You may need other riders like artwork, antique or Oriental rug riders. Evaluate how much you have in your home to determine the level of coverage that is right for you.
The additional coverage comes in the form of riders. The good news is that you can add riders to your policy to cover items that your average home owners insurance simply does not cover. The bad news is that these riders will cost you a little extra.
After an accident, look around and try and notice any violations of traffic laws. Was there a stop sign that the other person didn't see? Did you forget to yield to a pedestrian? Were they speeding in a school zone?
Knowing the basics in these situations can lead to an easy way to determine who was at fault. Police officers know the law better than you will. Always make sure to call the police for an accident and have them put there official opinion into the mix.
However, it probably does not cover the jewelry in the event of theft. For this purpose, many people opt to add a jewelry rider to their insurance. Actually, jewelry riders are fairly inexpensive and worth the money. If you own a sizeable amount of jewelry in your home, then this rider is probably right for you. Catalog all of your jewelry and list in the policy so that the value of each piece is known to you and your insurance provider.
Writing down what happened when it is fresh in your mind, will ensure you can remember as many details as possible.
If you are frustrated with your homeowner insurance, or if you have had your policy for many years, you may want to start shopping around. When you shop around, you can start to understand if your premiums and your deductible are comparable to other companies.
Nobody likes to plan for when these accidents happen but making a few steps of preparation can go a long way. Small things like keeping a pen and paper in your car for when this happens or always making sure to have your phone on you when you drive can go a long way.
Be sure to thoroughly comprehend your home owners insurance policy. Having adequate coverage is important and is accomplished by doing your research into plans, providers and riders. You may need other riders like artwork, antique or Oriental rug riders. Evaluate how much you have in your home to determine the level of coverage that is right for you.
About the Author:
Heuer Insurance is a home grown independent insurance agency in Reno, Nevada. Our purpose is to provide residents with the best auto insurance Reno, Nevada has to offer.
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