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#35 Are You Really Covered? The Truth About Homeowners Insurance
Welcome back to our #35 episode! In this episode, Leigh and Angie explore the often-overlooked aspects of homeowners insurance and disaster preparedness. Learn what your policy might be missing and how to ensure you're properly covered when disaster strikes.
Expert Tip: While FEMA and other assistance may be available after major disasters, always plan to rely on your insurance coverage first.
Remember: The time to understand your insurance coverage is before you need it, not after disaster strikes.
To learn about detailed Documentation, listen to Ep#22
#38pctprepared #38percentprepared #areyoucover #homeowner #homeownerpolicy #homeinsurance #onguard #reviewpolicy #staysafe #stayprepared
Connect with us for more preparedness tips and insights.
Follow us on Instagram
Listen on Apple Podcast
Listen on Spotify
Understanding Your Policy
The importance of thoroughly reading and understanding your insurance policy
Critical questions to ask about coverage limitations
Understanding deductibles and maximum payouts
Coverage for structures beyond your main home (garages, fences, outbuildings)
Additional Living Expenses (ALE) coverage
Tree damage coverage specifics
What's Usually Not Covered
Flood damage (requires separate flood insurance)
Earthquake damage
Sewer backup
Mold damage
Termite damage
Maintenance-related issues
Common Insurance Problems
Underinsurance and the difference between market value and replacement cost
Personal property coverage limitations
Claims disputes and the importance of documentation
Delays in claims processing
Unexpected policy exclusions
What Is Typically Covered
Tornadoes
Lightning strikes
Winter storm damage
Fire
Theft
Wind damage
Hail
Vandalism
Key Takeaways
Review your homeowners policy annually and after major life changes
Maintain open communication with your insurance agent
Know your coverage limits and what's included
Consider additional coverage for region-specific risks
Stay current on home maintenance to avoid coverage issues
Credit: Insurance Information Institute
Credit: National Association of Insurance Commission
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By 38% PreparedWelcome back to our #35 episode! In this episode, Leigh and Angie explore the often-overlooked aspects of homeowners insurance and disaster preparedness. Learn what your policy might be missing and how to ensure you're properly covered when disaster strikes.
Expert Tip: While FEMA and other assistance may be available after major disasters, always plan to rely on your insurance coverage first.
Remember: The time to understand your insurance coverage is before you need it, not after disaster strikes.
To learn about detailed Documentation, listen to Ep#22
#38pctprepared #38percentprepared #areyoucover #homeowner #homeownerpolicy #homeinsurance #onguard #reviewpolicy #staysafe #stayprepared
Connect with us for more preparedness tips and insights.
Follow us on Instagram
Listen on Apple Podcast
Listen on Spotify
Understanding Your Policy
The importance of thoroughly reading and understanding your insurance policy
Critical questions to ask about coverage limitations
Understanding deductibles and maximum payouts
Coverage for structures beyond your main home (garages, fences, outbuildings)
Additional Living Expenses (ALE) coverage
Tree damage coverage specifics
What's Usually Not Covered
Flood damage (requires separate flood insurance)
Earthquake damage
Sewer backup
Mold damage
Termite damage
Maintenance-related issues
Common Insurance Problems
Underinsurance and the difference between market value and replacement cost
Personal property coverage limitations
Claims disputes and the importance of documentation
Delays in claims processing
Unexpected policy exclusions
What Is Typically Covered
Tornadoes
Lightning strikes
Winter storm damage
Fire
Theft
Wind damage
Hail
Vandalism
Key Takeaways
Review your homeowners policy annually and after major life changes
Maintain open communication with your insurance agent
Know your coverage limits and what's included
Consider additional coverage for region-specific risks
Stay current on home maintenance to avoid coverage issues
Credit: Insurance Information Institute
Credit: National Association of Insurance Commission