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Five Home Insurance Myths

Home insurance is a complicated business with many parts that take years to learn, and it is not something you can pick up overnight.

Along with the many aspects of home insurance, there are many myths that people have learned. We have compiled a list of five of the most common insurance myths in hopes of making your insurance experience as transparent as possible.


My Home Insurance Always Covers My Home

False: When you vacate your home for an extended period, your house may not be covered. Shut off your home’s water supply and drain the pipes. Otherwise, you may not be protected against water damage. Specific policies require someone to be present in the house regularly for coverage to be applicable.

It is best to contact your provider before you leave to ensure you know what is needed for your house to be covered. Feel free to contact us by phone at 1-844-544-4663 or by email at [email protected]


My Home Insurance Covers All My Contents

False: Different policies have different limits for contents. Check with your provider to see if your current policy covers your items. High-value items, such as jewelry, may not be covered, and you may need to add optional coverage to protect higher-value items.

You should also keep in mind that the policy covers the cost of your new contents rather than their depreciated value of them.


My Home Insurance Covers My Home Under Renovation

False: You will want to check with your provider to see what is covered or not covered while going through a renovation. You will also need to check if the home’s new value is reflected in your current policy.


My Home Insurance Rates Will Skyrocket If I Make A Claim

False: Some companies offer a claims forgiveness policy. Policies like this will prevent your rates from increasing due to a claim. These policies are provided to clients with good insurance histories. That being said, most companies do offer a discount for being claims-free.


My Home Insurance Insures The Market Value

False: Home insurance will cover the rebuilding and construction of the house, not total market value. This is because the market value also considers the value of the land and the home.


Contact Us!

If you have any insurance tips or facts you have heard from that friend at a party, please feel free to contact us. You can reach by phone at 1-844-544-4663 or by email at [email protected]. We will be happy to help you in any way we can!

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