Your home insurance is a vital safeguard for what is likely your largest investment—your residence. Standard home insurance policies provide a range of protections up to specific limits. However, updates and renovations to your home may exceed these limits, making periodic reviews of your coverage a smart decision. At Kalare Tech Insurance, serving New Windsor, NY, we help clients find the right insurance to meet their unique needs.
What Standard Home Insurance Covers
Standard homeowners’ insurance policies typically cover common hazards such as fire, smoke, lightning strikes, vandalism, wind damage, and damage caused by the weight of ice and snow. These policies pay up to a specific limit based on the replacement cost of the structure. Liability coverage is also included, protecting you in case someone is injured in your home or on your property. Personal belongings are covered as well, but certain items may only be reimbursed up to a set limit.
When Additional Insurance Is Necessary
If you’ve made significant changes to your home, such as adding square footage with an addition or a new level, the increased value of your property may require additional coverage. Features like swimming pools may also necessitate adjustments to your policy. Additionally, if you’ve acquired high-value items such as artwork, jewelry, or furs, standard insurance may not provide sufficient coverage in the event of a loss. Specialized coverage can ensure these items are fully protected.
Choose Kalare Tech Insurance for Comprehensive Home Coverage
A thorough review of your current insurance policy may reveal gaps in coverage that could leave you financially vulnerable. Our agents at Kalare Tech Insurance can help you find the right coverage to protect your home and any special items. Contact us today for a no-obligation quote on home insurance that meets your current needs and provides peace of mind.
