Three Ways that Home Insurance Protects You

Owning a home can be a joy, but it also comes with risks. To help protect you against those risks, there is home insurance. If you need a home insurance policy, give us a call now at Right Choice Insurance and Taxes in Tuscon, AZ.

The House

One of the most important types of coverage that is included in home insurance is coverage for the house itself. The dwelling can suffer many types of damage from events like accidents, calamities and disasters. When this happens, your home insurance can pay for the repairs that are needed. If the home is destroyed, it can even pay to rebuild it. It’s important never to be without this coverage, as damages can be extremely expensive to pay for. 

Your Belongings

Another important aspect of home insurance is coverage for your belongings that are in your home. This coverage can help you to repair or replace items that get damaged in a covered incident. This may be a disaster, accident or something else that happens and ruins your items. Next to your home itself, your belongings generally represent your largest investment. Replacing everything would be prohibitively expensive on your own without this policy. 

Liability Protection

Another expensive risk that homeowners have is their liability for accidents. If a third party were to visit your home and become injured or sick there, you could be found liable for their medical bills and even their lost wages. However, a home policy covers this situation. It can pay the medical bills as well as the lost wages so that you don’t have to. 

Cover Your Home

If you own a home, never be without home insurance. To find out more about these policies, give us a call today at Right Choice Insurance and Taxes in Tuscon, AZ. 

Does Homeowners Insurance Cover Flooding?

Homeowner’s insurance doesn’t cover flooding or damage caused by floods. However, it does cover water damage. Understanding the difference between the two is something that Right Choice Insurance and Taxes of Tuscon, AZ is committed to helping Arizona understand. This understanding may help residents to determine if additional investment in flood insurance might be beneficial to them.

What Is the Difference Between Flood Damage and Water Damage?

One of the easiest ways to determine if damage to your home or property would fall under flood damage or water damage is to understand that water that touches the ground first before entering your home is considered flood damage. Flooding is considered a progressive occurrence rather than sudden or accidental. However, homeowners insurance will cover water damage caused by overflow and discharge water damage. This can include damage caused by rain and storms and the fracture of heating, air conditioning, sprinkling, or plumbing systems. However, it would be best to keep in mind that water damage caused by insufficient maintenance will not be covered.

What Does Homeowners Insurance Cover?

Homeowner’s insurance does cover some forms of damage caused by water. The type of water damage determines the key difference in terms of coverage. For example, damage caused by extensive rain and storms is covered under homeowner’s insurance. Also, home insurance usually covers water damage that results from storms, rainwater, and the escape of liquid. If you live in a flood area, you need to pay close attention to what type of water damage is covered in your homeowner’s insurance. You may need to purchase optional/additional flood insurance in the event of a flood that would cause damage not covered by your homeowner’s policy. If you have questions about what homeowner insurance covers and if flood insurance would be a good additional insurance option, give us a call. We’re here to answer all of your questions.