Your home is too big an asset to risk by not having adequate homeowner’s insurance. The fact that you have home insurance does not mean you in the clear and all is good. You need to be sure you have right level of protection with respect to you real risks. You also want your insurance at a good price. That is called best value homeowners insurance. Southwest Agency offers best value homeowners insurance in Carthage MO and Morionville MO. They will arrange your home insurance through a financially sound carrier and with the coverage your need for your risk profile. Homeowners insurance should cover your buildings and structures. Home insurance should also cover your liabilities in terms of potential 3rd party claims. It should also cover the furniture, appliance, equipment and valuables inside your home. Certain high-end items may need to covered or specified separately. But the story does not end there. You still have several things to consider. What risks are covered and which ones are not. For example, most homeowner’s policies don’t cover flood damage. If they don’t cover flood damage you need to ask yourself what else is not covered? What about other potential disasters such as earthquake, a mudslide or a sinkhole? The best is to consult with your insurance agent about what is covered and what is not covered and for which you need to get separate coverage. Your agent can for example help you with flood insurance, be it through the National Flood Insurance Program (NFIP) or some private carrier. You also need to know and understand the limits of your coverage. Are you insured for the replacement value of your assets? Do you need umbrella insurance? Do you need comprehensive? There are many questions but fortunately your agent at Southwest does have the answers.
