Home Insurance Covers That?

Home Insurance Covers That?

More than half the country owns a home, but how many of us really understand what our home insurance covers?

From helping protect your favorite jewelry to helping keep your groceries cool and more, home insurance can come to your aid in some surprising ways – so long as you have the right coverage.

Let’s take a look at five scenarios you may not realize can benefit from having the right policy in place:

  1. Updating the Electrical
    One of the worst nightmares for a homeowner is the house burning down. Now imagine, while it’s being rebuilt, the city requiring you to install a modern electrical system. Construction codes change through the years, after all. Your insurance company may offer optional Ordinance or Law coverage to help with the additional expense of bringing the home up to code during such an incident. Why might this be necessary? Remember, your home policy covers the cost to repair what you have or replace what you had, not upgrade it.
  2. A Hotel in the Meantime
    When most people think of home insurance, they think of coverage for their actual home. But, what happens when you can’t live in it during construction? Most policies will help you pay for a place to stay if the home is uninhabitable due to a covered incident. Known as Loss of Use, this coverage helps compensate you for the additional expenses of living elsewhere and may cover food as well as lodging.
  3. Refrigerator Meltdown
    Something unexpected go wrong with your chill box? Many insurance carriers offer Equipment Breakdown coverage as an option with your home insurance policy. This kicks in when an appliance, such as a refrigerator, has an unexpected mechanical or electrical breakdown and covers the cost to repair or replace it. But, that’s not all…

Continue reading this Safeco article.



Don’t forget, The Portier Agency offers homeowner/mobile home/ renter’s /automobile / motorcycle / life / commercial / crop insurance.
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The Portier Agency, LLC
113 North Irwin Avenue
Ocilla, GA 31774