HOME INSURANCE TO PROTECT YOUR ASSET FROM NATURAL DISASTERS

What You Should Know About Home Insurance to Protect Your Most Prized Asset

Natural calamities are not in your hands. As a homeowner, it is your responsibility to ensure your home is adequately covered by insurance and that you are well compensated in case of damage from natural disasters.

There are so many types of insurance for homeowners, fire insurance for houses to flood house insurance, and more.

Confused about the ideal cover to protect your home and your loved ones?

Contact insurance experts at Just Livin Realty for advice on the various types of insurance coverage available to you. We will guide you on the right type of policy based on different parameters like location and age of the house.

Check the insurance options today and get peace of mind regardless of the natural disaster that you might face.

Well, that’s what many local home buyers think at first…

… and some choose their friend who has their real estate agent license or that person they saw in the newspaper thinking that “All real estate agents in Denver are the same“.

Home Insurance Fire Coverage

Under a traditional insurance policy, property fire insurance covers the threat of fire. The costs of repairing and replacing damaged portions of the house are paid in home insurance fire coverage, subject to the limits and deductibles of the building fire insurance policy.  

Get in touch with insurance advisors at Just Livin Realty if you are looking for the best home insurance for fire coverage. We will provide all the details of home fire insurance cost, fire insurance for rental property, insurance for fire-damaged property, and fire insurance only for home. We have you covered with the homeowner’s insurance for high fire areas even if you are living in a high-risk location.  

What do you get under a homeowner’s insurance fire coverage? The policy covers the cost of repairs to the structure along with expenses for replacing or fixing appliances or home systems. The reimbursement will either be the actual cash value or the replacement cost value, depending on what you choose at the time of buying the policy.

Hail Damage Home Insurance

A severe hailstorm can leave your home in tatters especially the portions of your home that are exposed directly to the elements. In this case, it is the roof that is typically most affected. Fortunately, hail damage insurance takes care of all the damage and a house hail damage insurance claim includes repairs to gutters, siding, skylights, shingles, and more.

The coverage though is not by default if you are living in certain coastal areas. If you are located in a windstorm or hurricane-prone region, especially along the coast, your homeowner’s insurance wind and hail policy might include a separate windstorm deductible. It is typically 1 to 10 percent of the coverage limit.

Call our advisors and we at Just Livin Realty will guide you on all aspects of hail damage insurance and submission of house hail damage insurance claims.

Tornado Home Insurance   

Citizens of the USA have cause for worry on the tornado front. Data from the National Severe Storms Laboratory put the average number of tornadoes that hit the country every year at 1,200. This is a very good reason to go for home insurance for tornadoes to safeguard your prized assets.

A home insurance tornado damage policy covers the costs of rebuilding a home along with other structures such as the deck, garage, and other structures integral to your house.

Additionally, if you cannot live in your home due to the severity of the damage and have to live in a hotel while repairs take place, the expenses for accommodation and meals are covered too under this policy.

Get in touch with us for further details on home insurance for tornados.

Earthquake Home Insurance

Earthquakes when they strike are deadly because they damage house structures from the foundation up. Even mild tremors that rock your home can damage expensive appliances and furnishings. In most cases, general home insurance will not have a damage-from-earthquake clause. However, if your house is damaged by a fire originating from an earthquake, your losses are covered under a general policy.

For those living in areas that are prone to earthquakes and cannot afford to self-repair any damage caused by seismic activity, we recommend exclusive earthquake house insurance coverage. The costs of such a policy can range from inexpensive to a high-premium one for residents of earthquake-prone areas.

Home Insurance Rain Damage

A factor that often worries homeowners is does home insurance covers rain damage. Heavy rains can damage your house badly from the foundation up but while hail damage is covered under most standard home insurance, damage from rainwater depends on specific clauses in the policy. Though damage from water due to a burst pipe will be covered, that from heavy rains will not be so.

A distinction should be made here about losses from floods and heavy rains only. Check your policy to understand what type of water damage is covered and whether it includes home insurance from rain damage.

Home Insurance For Flooding

Most standard house insurances do not include flood house insurance but that does not mean you cannot get insurance coverage for flooding. You simply have to buy separate home insurance for flooding to be safeguarded against losses from this common natural calamity.

However, before you take this step, check your existing home insurance policy. In some cases, insurers include an add-on endorsement against flooding in the original policy.

You can buy a home insurance after flooding policy, either from a private insurer or from an insurance carrier through the National Flood Insurance Program (NFIP).

Floods are common throughout the USA and you must have home insurance for flooding to protect your assets. If you live in a high-risk flood zone, you will be mandatorily required to have home insurance after flooding to avail of a mortgage loan.

Know more about flood house insurance from experts at Just Livin Realty.

The Best Insurance Solutions From Just Livin Realty

Just Livin Realty is your one-stop destination for home insurance. We have you covered regardless of whether it is home loan mortgage insurance, fire insurance for a house, hail damage insurance, tornado home insurance, and more.

Speak to our experts to understand how you can cover your losses from any form of disaster and natural calamities and protect your loved ones. Once we receive all the information about your requirements on how optimally you want to safeguard your house from losses, we will help you select the best policy that meets all your needs.

Most of our clients have these questions in mind when they meet us.

• • Can I take fire insurance only for home or rental property?

• • What is the best home insurance for fire coverage?

• • How do I submit a house hail damage insurance claim? 

• • Do I get a claim for home insurance for tornado damage?

• • Does home insurance cover rain damage?

• • Can I claim home insurance after flooding?

You can be sure that our insurance professionals will offer the best advice on home insurance that you can possibly get.

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