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When it comes to home insurance, you don’t want to be caught short. Insufficient coverage could cost you tens of thousands of dollars out-of-pocket if you were to suffer a catastrophic loss. At Pizano Insurance in Wayzata, MN, we’ll help you select home insurance coverage that adequately protects your home investment and assets. The following tips can be helpful in determining how much protection you need.
Dwelling Coverage
Your dwelling coverage should be sufficient to rebuild your Wayzata MN home if it’s destroyed by a severe storm, fire or other catastrophes. This includes major renovations you may have done since purchasing your property. Replacement cost coverage covers the cost of replacing your home if it’s destroyed in an unforeseen disaster, giving you the protection you need.
Personal Property Coverage
Personal property insurance protects your personal goods to include furniture, household appliances, electronics, clothes, jewelry, sports equipment and more. Replacement cost coverage for your personal goods provides you with the funds to replace these items if they are stolen or totally destroyed in a covered peril.
By creating a home inventory, you’ll have a record of what you own to make it easier to make a claim. Your home inventory should include photos or videos of pricey items along with receipts of purchase to verify their value. If the limits of your home insurance aren’t enough to cover high-end goods, you may need additional coverage to protect their full value.
Liability Coverage
Liability insurance pays for the medical costs of visitors who have an accident on your property. It also covers your legal expenses if your visitor decides to sue for damages. If you entertain often, you’ll want to have sufficient liability coverage to protect your assets.
For customized home insurance to protect your valuable investments, contact Pizano Insurance in Wayzata, MN.