Maria Yoder Insurance

Understand Your Homeowner Insurance Policy:
It’s essential to understand what the
homeowner’s policy does and does not cover.
Most importantly, homeowner’s insurance does
not typically provide flood coverage, whether
inland flooding or storm surge. This makes it
crucial to obtain separate flood coverage for
properties in vulnerable areas.
The typical homeowner’s policy provides the
following coverage:
Coverage A – The dwelling and attached
structures.
Coverage B – Other structures, including
sheds, fences, mailboxes, detached porches or
decks.
Coverage C – Personal property within the
home, including appliances, clothing, furniture,
televisions, jewelry and other items that
are not specifically excluded or limited. This
excludes the personal property of a roomer or
boarder not directly related to the insured.
Coverage D – Loss of Use. This provides
broad coverage for additional expenses
resulting from property damage. For instance,
temporary housing expenses for hotels and
meals above normal expenses.

Happy New Year's Eve!

Keep your family, home and pets safe tonight with these helpful safety tips.

New Years Eve Safety Tips Home of Metro Fire