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!
All homeowners insurance policies are not created equal; different company policies may include literally dozens of options that are different from other company policies. There are many decisions you must make that determine how much insurance protection you actually have. Our professional agents will review your policy and advise you on your insurance coverages based off the information provided. Your home insurance policy is not just a piece of paper that you think you’ll never use. If disaster strikes, you’ll be glad you have insurance!
Yes there are many of different home insurance products out there, from hundreds of insurance companies. Our licensed agents shop many carriers to get you the best homeowners insurance at the best price. All of our agents at Alternatives Insurance® of Chesterfield have strong credentials and tailor each policy based on the individual needs of our clients.
The Missouri Department of Insurance provides answers to the most common questions of home owners or people looking to purchase a home. The information covers topics such as why buy home insurance, how much home insurance you need, what affects home insurance prices and more.
The Insurance Information Institute is also where to learn more about home insurance in Chesterfield MO. The Insurance Information Institute exists to educate the public on what insurance is and what it does. The blog includes posts covering what is homeowners insurance, what are the different types of policies, which disasters are covered by homeowners insurance and what happens if you own a home without homeowners insurance.
As a home owner, there is more at stake than just your mortgage. Home owners bear the liability for personal injury as well. What if your neighbor stopped by to say hello and accidentally falls coming up the stairs of your home. The neighbor incurs high medical bills that he cannot afford, and he sues you to pay for the bills? If you do not have the proper bodily injury coverage in your homeowners insurance policy, you may be putting yourself and your family in a bad financial situation. Alternatives Insurance® of Chesterfield agents are here to help you avoid being under insured.
Contact an agent with Alternatives Insurance® of Chesterfield and discuss the next important step, protecting your home and family.
HOMEOWNERS…. Alternatives Insurance® Of Chesterfield IS Where To Learn More About Home Insurance In Chesterfield MO!