Buying a new home is quite an accomplishment, and it can also cause quite a lot of stress. Most new homeowners have very little experience with home insurance, how to choose it, and what to look for. H & R Insurance Group LLC in Portland, OR, we are independent insurance agents, and we work for our clients, not for one insurance carrier which allows you more choices and the best prices.
More than one type of content coverage is available
Your personal belongings are covered with content insurance. This includes all the things you own in your home that are moveable such as clothing, furniture, jewelry, and electronics. You have two options for overage, you can choose current value or replacement cost. The current value may be a lot less than it would cost to replace the item.
You have to maintain your home
If you don’t maintain your home, your home insurance won’t cover the damage. This includes things like termites. If you don’t get treatment for termites, you won’t be covered. It also includes things like a leaky roof. If it is a roof that needs replacing, damage to the interior of your home won’t be covered. Normal wear and tear is also not covered.
Some coverage has limits, you may want to add more
Jewelry, cash, antiques, and art all have limits on the amount they will cover. If these are things that you own, read your policy carefully to find out what the limits are. You can then add an endorsement to give you the additional coverage that you need.
Schedule A Consultation Today
If you are a resident of Portland, OR or the surrounding area, you can count on our team at H & R Insurance Group LLC to provide the personalized service you require. Give us a call for a no-obligation quote.
