Understanding Your Options For The Best Protection
Alternatives Insurance® of Chesterfield knows it is important to help home owners understand their options and how to best protect their family and belongings in case of a loss. Our agents are here to help home owners know where to learn more about home insurance in Chesterfield MO.
There are many coverage options you can have in your policy. On your declaration page you will see several terms; including dwelling coverage and personal property coverage. The word dwelling in your home insurance policy actually refers to your home itself and attached structures, such as an attached garage. One of our experienced agents can run a cost analysis that calculates the cost to rebuild your home. If you don’t adjust the amount of insurance for your dwelling appropriately, you may not have enough insurance to replace your home if disaster strikes.
Your personal property includes all your personal items, such as furniture, clothing, electronics, appliances, etc. Your personal property limit is usually 70% – 75% of your dwelling limit. However, you can adjust this upward if you need more protection, discuss your options with us. We’re here to help!