Are you ready to get a comprehensive and high-quality home insurance policy? Please reach out to Wise Insurance Agency serving Ft. Wayne, IN to learn more about your options and get started on better home protection.
Factors to Consider
When deciding on the best home insurance policy, you need to consider things like:
- Your home and yard’s overall size
- The crime rate in your area
- Natural disasters that may occur
- Your intensive credit history
- Premium costs you can afford
Coverage Options to Consider
Insurance comes in a few different styles, including HO-3 and HO-5. The first type covers particular listed possessions in your home and provides personal liability protection. HO-5 covers all private property except for excluded elements. Talk to your insurance agent about which type works the best for your protection needs and your financial situation as a homeowner.
Discuss Your Limitations
Home insurance may not cover clothing, electronics, tools, appliances, and jewelry without special endorsements. These endorsements are also known as riders and help to make your policy more intensive and complete. A high-quality agent can help you better understand these riders and set up your policy in such a way that you can cover every element without concern.
Know What is Not Covered
Many home insurance policies do not cover:
- Issues and damage caused by loss of power
- Normal wear and tear issues with a home
- Mold growths not connected to floods
- Animal and pest damage
- Poor maintenance
- Government action, such as eminent domain
- Damage caused by war or nuclear disasters
Get Help Today
If you’re ready to protect your home and need an insurance policy that makes sense for your needs, reach out to Wise Insurance Agency near Ft. Wayne, IN. Our team will do what it takes to get you covered smoothly and efficiently.