Important questions to ask about your home insurance policy

Most homeowners in the Beaumont, TX area know the importance of carrying a homeowners’ policy for protection. However, not all insurance policies are created equal, so it is critical to ask important questions about the coverage before picking a policy. 

Am I required under my policy to perform specific maintenance tasks?

It is unlikely that your insurance carrier will require you to carry out specific maintenance tasks. You will, however, be required to maintain the home properly. In the event there is a claim, and it is determined that the claim could have been mitigated or avoided through proper maintenance, you could be denied coverage. 

Are my belongings covered?

Yes and no. Most homeowners’ policies will provide you with coverage for your personal belongings up to a specific limit. You must have a reliable inventory of your personal belongings and know how much they are worth to ensure you have enough coverage. It is also important to note that luxury items such as fine art and jewelry will have a small limit under the policy. If you have a significant amount of luxury items, you will want to discuss with your insurance agent at Carruth Insurance about additional coverage.

What is the claims process? 

In the event you need to file a claim under your policy, it is vital to be comfortable in advance with the claims process. You will want to find out if there is a 24-hour number to call for assistance. On the other hand, if you prefer to handle things online, you will want to ensure there is an online process. You should also find out what type of paperwork is required to file a claim in advance. 

If you live in the Beaumont, TX area, and are interested in learning more about homeowner insurance, reach out to an agent at Carruth Insurance today. We are happy to assist with all of your insurance needs.