It is strongly recommended that you read your home insurance policy at least once a year. Reading your policy helps to refresh your memory about what is included and excluded from the policy, while also helping to ensure your policy still meets your needs. At NavSav Insurance, serving the greater Spring, TX area, we are here to help you review your policy and answer any questions you may have about it.
One of the questions that people often ask is what exactly dwelling coverage means in regard to a home insurance policy.
What Does Dwelling Coverage Mean On A Home Insurance Policy?
Dwelling coverage refers specifically to the structure of your home. It does not include the land that your home is built on top of, nor does it include any of the items that are stored within your home. If someone on your policy refers to dwelling coverage, it is referring to the structure of your home, and only the structure of your home.
Dwelling coverage also applies to any permanent fixtures that are located inside or around your home. For example, a covered garage or a covered patio are both permanent structures, so they apply to your dwelling coverage for your home insurance policy.
Contact Us Today
If your current home insurance policy does not meet your needs, it is time to start shopping for a new policy. The team at NavSav Insurance, serving residents in the greater Spring, TX area, can help you find the best home insurance policy for your needs. Call or email us now to get started.
Without a doubt, making a home inventory takes time and is a lot of work. Having stated that, it is still very important to do. If a hazard should hit your home, it will be upsetting, to say the least. You may find it difficult to try to put a list together of everything you have lost. At NavSav Insurance in Spring, TX, we will be here for you from beginning to end and when you file a claim we will be right there with you.
Preparing and storing a home inventory
You can start your inventory in any room. Some people may prefer to start with the main rooms and others may prefer to go to the bedrooms. Have a large notebook and a pen and choose whichever room makes sense to you. Gather together any receipts or sales slips that you have and put them together with the description that they apply to. Let your eyes go up and just write down everything that you see. Open drawers, closets, and cupboards and write detailed descriptions of what you see.
Go from one room to the other, take pictures from different angles and try to include any of the more expensive items in the photos.
Once you have gotten everything listed with lots of detail, it is time to find a place to safely store your inventory. It is ideal if you can get it away from your home. A safe deposit box is a good option. If you must store it at home, be sure that it is in a container that is fire resistant and waterproof. Keeping a copy in the cloud is a good option so that you can easily get to it no matter where you are.
Contact NavSav Insurance in Spring, TX when you are in the market for a home insurance review or a new carrier.