When you own a home, protecting it from all the hazards out there is something that is on your mind. Most people aren’t insurance experts and that is why they have to count on an insurance agent to provide the best information and access to a wide variety of products. At Stonewall Grace Insurance in Buena Vista, VA, our customers come first and we are happy to share our years of experience.
Most people are shocked to realize that floods are not covered by home insurance but it isn’t. If you live in an area that is prone to flooding you should consider purchasing a flood insurance policy. It is easy and inexpensive.
Moving earth covers a few different types of hazards. It includes earthquakes, mudslides, and sinkholes. All of these can be covered with the addition of an endorsement or a separate insurance policy.
It is reasonable for the insurance company to expect that you will maintain your house and if you know there is a potential hazard you will correct the situation. Negligence is handled on a case by case but chances are if they can prove negligence the company isn’t going to pay.
If you have lots of expensive jewelry, works of art, antiques, or expensive electronics you will not be covered on a normal home insurance policy. You can get coverage for these items but it will need to be an endorsement that you add.
When you are looking for an insurance agent you can trust to put your interests first, Stonewall Grace Insurance in Buena Vista, VA is the place to come. We have a team that will be there for you when you need us. Give us a call or stop by to set up an appointment for a free quote.