When it comes to an insurance policy for a home there are things that you can choose to have and there are things that you cannot change. For one thing the dwelling amount is set based on information provided by you to the agent. But there are some things that you do have a choice in what is on the policy when you buy it.
What You Can Have on a Policy and Things that are Preset
- On your home insurance the personal contents part is a percentage of the dwelling amount. When it is set there is level that it cannot fall below. In some cases the amount can be raised.
- You can enhance your policy by adding endorsements such as earthquake coverage and wind damage in order to protect your home better. Endorsements are provided to people that need to enhance their home policy in order to better protect themselves from financial disaster. If you need to have one on your policy, then contact your agent today.
- The type of policy that can limit contents coverage is a landlord policy. This kind of policy in West Hartford, Connecticut is used by an owner of a rental property.
- Another type of policy that you might be able to get and limit personal property is a basic fire policy. Here the property is only covered for basic perils such as fire.
Your home insurance building policy should be designed to protect your personal investments and your personal property. In the insurance world you do have options as to what you can protect. If you have questions about your policy, then you need to contact your independent agent today. We can help set you up with a policy that is right for your insurance needs.