Morse, Of Course, Wants to Make Sure That All Southeastern MA & South Coast MA Homeowners Are Informed About Their Home Insurance Coverage
Our team of dedicated insurance professionals have a real passion for educating our clients about insurance and how their policies protect them. In particular, we want to make sure that you understand all the critical coverages that are included in your standard homeowners insurance policy and, just as important, those that are not.
Your standard homeowners insurance policy is designed to offer you financial protection in the event of a disaster, theft or accident on – and sometimes off – your property. This important insurance acts like a shield, providing a strong defense against a variety of perils that can impact your home, your things, your lifestyle, and your personal reputation, via the following four essential coverages:
- Dwelling Coverage
- Personal Property Protection
- Liability Protection
- Additional Living Expenses
Each of these four areas of your homeowners insurance policy include coverage options, limits and exceptions that very few people outside of insurance experts really understand because, frankly, insurance language can be complicated. However, not knowing these details can often cost homeowners time, money and frustration in the event of a catastrophe. Which is why, Morse, of course, wants to make sure that our clients are completely in the know.
This particular coverage is the central part of your insurance policy; in fact, additional coverage in your homeowners’ policy are generally based on a percentage of what your dwelling coverage is set at. That’s why it is critical that you and your insurance agent work together to make sure you have selected the appropriate level of dwelling coverage for your unique home. You also want to make sure that, as you make changes and/or upgrades to your home, such as adding crown moldings, hardwood flooring or granite counter tops, that you stay in contact with your agent so they can ensure that your home insurance still provides sufficient dwelling coverage.