Your Homeowners Insurance Isn’t Protecting You as Much as You Think it is.

People with homeowners insurance tend not to worry much about damage to their home, but perhaps they should. After all, it’s never a good situation to realize that, not only must you pick up the pieces following a disaster, but that you’re on the hook for thousands of dollars associated with damages.

People have a love/hate relationship with insurance deductibles. On the one hand, they love that they can raise their deductible to lower their premiums, but on the other hand it can be quite a shock to learn how much they now have to pay out of pocket when a claim occurs. You need to make sure your deductible is at a level you’re comfortable with.

Exclusions are always a rude awakening for someone making a homeowners insurance claim. Some events that you might think would be covered are actually excluded–things like floods, earthquakes and damage due to normal wear and tear. You can purchase additional coverage for these perils, but they are rarely in a basic policy.

More and more, policies are putting caps on how much they will pay for certain events. For example, many insurers now cap mold coverage somewhere between $2,500 and $50,000.

While homeowners insurance can be tricky, it is still possible to get the coverage you need to prepare you in the event of an emergency or other uncontrollable event.

Contact the Westlake Village, CA office of Chivaroli Premier to get all the coverage you need along with answers to all your insurance questions.