Top 5 Reasons to Get Home Insurance In 2020

As homeowners or even when the mortgage is still ongoing, or when you are still dreaming of your dream house, we all want to be sure that our investment is secured.
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In some cases and some states, home insurance is a requirement. This requirement is more likely to happen when the house is under the mortgage as the mortgage lender may ask for proof that your house is sufficiently protected.

Why Get Home Insurance?
Home Insurance safeguards not just the house itself but covers more than the physical structure.
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1. Coverage for the Building
   There is the assurance that if there is damage caused by fire, hail, or other disasters listed on the contract, repair or rebuild will be covered.
   
   
2. Coverage for Assets
   Personal items such as pieces of furniture, clothes, or sports equipment will be covered if they are stolen or damaged. There is also insurance coverage up to a specific limit for expensive goods like art or China wares. Most providers include from 50% to 70% amount of insurance on the structure of your home.
   
   Off-premises goods can also be covered unless the insured opts out of this. This portion means that belonging, even if it is not physically at home and is anywhere in the world, will be protected up to a limit.
   
   On the other hand, plants, trees, or scrubs, can also be covered – generally up to $500 per item. These, though, will not be covered by perils such as wind or disease.
   
   
3. Temporary Living Expenditures
   When the house is uninhabitable due to repair, expenses like hotel accommodation and restaurant meals can also be covered.
   
   
4. Protection From Possible Liability
   Liability is when there is an impending lawsuit due to physical injury or damage to property. Liability coverage is to protect the family or any of its members from the trouble of a claim. Even damages caused by pets can be covered. The liability portion of your contract includes the cost of defending the insured in court and other expenses during the proceeding.
   
   
5. Guest Medical Protection
   If a guest was staying at your place and got injured, your home insurance can cover medical expenses.
   
   Having home insurance is not a guarantee that damage or disaster will not hit your house. Home insurance is your guarantee that you are covered, and you have your insurer’s back. You do not have to worry about unforeseen expenses that you have to shell out. 

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At Kapasu Insurance Services Inc, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote.