When it comes to damage from a natural disaster, do you know what your home\u00a0insurance policy covers? Are you certain that you have the right type and amount of\u00a0coverage for your home? Now\u2019s a great time to look over your home insurance\u00a0policy and ensure that it fulfills all of your needs.<\/p>\n
How much is your home insured for?<\/strong> If it suffers major damage from a storm, will you be able to afford to repair it? There is a difference between the value of a home and the cost of repairs, particularly following a major\u00a0natural disaster.<\/p>\n Some forms of homeowners insurance include coverage for living <\/strong>expenses<\/strong>. This coverage is generally intended for the extra expenses that\u00a0come along with needing to stay somewhere else while your home is fixed,\u00a0such as the cost of a hotel room.<\/p>\n Once you\u2019ve filled out the Home Inventory List below, take a moment to total\u00a0up the value of all your personal property. Does the personal property\u00a0coverage component of your homeowners insurance cover all of these items\u00a0adequately? If not, consider increasing your coverage. Be sure to document\u00a0the value of your possessions accurately and thoroughly, and consider taking\u00a0photos of items as well.<\/p>\n For many homeowners<\/strong>, including those living in flood-prone areas, flood\u00a0insurance isn\u2019t optional: it\u2019s mandatory. That said, flood insurance is a good\u00a0investment for practically every household.<\/p>\n A standard homeowners insurance policy is often not designed to provide\u00a0coverage for flood-based damage. That\u2019s why it\u2019s so important to ensure that\u00a0you have a dedicated flood insurance policy for your home.<\/p>\n The federal government\u2019s National Flood Insurance Program makes flood <\/strong>insurance affordable for many homeowners.<\/strong> However, most flood\u00a0insurance policies can\u2019t be purchased immediately before a hurricane, as they\u00a0generally include a mandatory waiting period before they go into effect.<\/p>\n Call your insurance agent to learn more about your options.<\/strong><\/p>\n Some homeowners policies come with what\u2019s called a hurricane deductible. In\u00a0order to utilize your homeowners insurance coverage for damage suffered\u00a0from a hurricane, you\u2019ll need to first account for the hurricane deductible\u00a0using your own funds.<\/p>\n As with other forms of insurance, a higher deductible makes for a lower\u00a0premium (and vice-versa). Be sure to consider what\u2019s feasible for you in the\u00a0event of a natural disaster: don\u2019t choose a deductible that you could never\u00a0afford to pay simply in order to reduce your monthly premium.<\/p>\n","protected":false},"excerpt":{"rendered":" When it comes to damage from a natural disaster, do you know what your home\u00a0insurance policy covers? Are you certain […]<\/p>\n","protected":false},"author":116,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"11","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-6983","post","type-post","status-publish","format-standard","hentry","category-hurricane"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts\/6983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/users\/116"}],"replies":[{"embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/comments?post=6983"}],"version-history":[{"count":0,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/posts\/6983\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/media?parent=6983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/categories?post=6983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.aipflorida.com\/es\/wp-json\/wp\/v2\/tags?post=6983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}