Protecting the good life…Homeowners Insurance

Now you have found the home of your dreams be sure to protect it with the right homeowners insurance. Linda Osty 13yr+ Broker/Agent of Osty Insurance ?located in the Village of Arroy Grande explained why it’s important to contact an agent early in the process of buying a home . For most of us our home is the single largest investment we will ever make. Homeowners Insurance provides coverages for damage to your home and other structures on your property such as a shed or detached garage. In order to prevent surprises buyers should check the disclosures for insurance claims filed on the property you are purchasing especially within the last three years.??The agent will at least do a drive by inspection and there could even be a required interior inspection to see the condition and anything that might create a future claim. An example would be the roof. The roof is not leaking todays but it is not raining today! The?insurance inspection may also uncover? attractive nuisances such as concrete cracks where someone might trip and fall , or pool areas are they fenced or not and? do they have a pool? cover.

Unintentional acts are covered under personal liability. Have you heard of the Mike Tyson test? If you bite someone you are not covered. If your dog bites someone you are covered but only the 1st time.Finally in the event someone is injured on your property or you damage property that belongs to others you could be legally liable for the injury or damage. A homeowner policy provides personal and liability insurance to financially protect you should this ever occur.

Enjoy the benefits of Homeowners liability insurance even if you rent or own a condominium.If you rent or own you still need coverage for your household contents and personal belongings and personal liability.There are specific policies designed for those who rent or own condominiums.

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