Why do I need to get home insurance?

When moving to the Aston, PA area, it can be a great option to purchase a home. Property owners here will have a great experience and can benefit a range of different ways. When you are going to purchase a home, you should spend time assessing your insurance needs. There are a variety of reasons why you may need to get a home insurance policy when buying your next property. 

Insurance Protects Most Valuable Asset

If you do own a home, it likely will be the most significant asset that you will ever own. The last thing you would want would be for your home to be damaged or destroyed and your investment to be lost. Fortunately, you can protect this investment by getting home insurance. This insurance will cover you from a variety of different risks.

Insurance is usually a Requirement.

You also will want to get home insurance because it very likely will be a requirement for you. Anybody that lives in a home association or has taken out a mortgage will have specific home insurance requirements that they need to meet. If you do not carry the right insurance, it could put you into violation of a variety of agreements. In some cases, a mortgage lender will require that you put forth monthly escrows to ensure your annual policy payments can be covered.

Those that are in the Aston, PA area should spend time carefully assessing their home insurance needs. If you would like to learn more about your insurance needs and options, you should call the team at Fulginiti Insurance. The insurance professionals at Fulginiti Insurance know how important this coverage is. They can then help you to select a policy that is right for your situation. 

Items You Didn’t Realize Home Insurance Covers

It’s not always obvious what home insurance in Aston, PA covers and there are some items included that you may have not even realized. Check your coverage with your agent at Fulginiti Insurance.

Random Home Insurance Coverage

Spoiled Food: If you lose power for an extended period of time and there is food in your fridge that went to waste, you could be covered up to a certain amount. This doesn’t apply if your fridge bites the dust.

Dog Bites: Liability coverage will usually extend to dog bites. However, it’s important to check with your policy and make sure your dog is covered. Some insurance companies won’t cover certain dog breeds.

Gravestones: If you are the primary caretaker and even if it’s not kept on your property, many policies will consider a gravestone as personal property. If a family member’s headstone is vandalized, then you could find some coverage.

Pairs and Sets: If something is stolen or damaged and it’s part of a set, then you should have coverage for the entire group of items. This way you can replace the whole item instead of looking for a piece.

Space Debris: The odds of your house getting hit with something from space are small, but it has happened in the past. Satellites, meteorites, and bits of airplanes are covered under a falling objects clause in most policies.

Your Lost Luggage: This may be a travel nightmare, but this falls under the off-premise coverage. This coverage protects your belongings that are away from your house, and a suitcase that is full of your belongings counts.

Fire Department Bills: It can be common for the fire department to send you a bill if they have been called to your house. Depending on the reason they came, home insurance may cover it.

Contact Fulginiti Insurance, serving Aston, PA, to get a quote on home insurance.