Dighton Home Insurance
Irene, Hurricane Sandy, Nor'easters, No Name Storms and just plain ol New England Weather! >All made big changes in your Home Insurance!
We all know what a deductible is, it is the money we have to pay before the insurance company pays out for claim or a covered loss. But what did happen to your Dighton Homeowners Insurance deductible that you may not even be aware of? Did you know that now most insurance policies may have several deductibles as a result of these types of storms? The Allan M. Walker Insurance Agency can help you understand the difference and when these different types of deductibles are activated.
Which ones do you have?
New deductible types:
- Standard deductible
- Wind deductible
- Percentage deductibles
- Named storm deductible
If you were not informed of this please give us a call. After a loss is not the time to find out what deductible was activated and why it may be something unexpected.
Is Your Home Owners Insurance Providing All the Protection You Need?
Super storm Sandy, had she turned just a little more east we would have been devastated. Not more than a few miles away from us, more and more hurricanes have been knocking on our east coast door. Look what Irene did just a couple of years ago. That storm dumped more rain and flooded more areas than we have seen in a life time. Irene, with all of her destruction is now named as a top ten storm for our area. And NO! Flood Insurance is NOT provided with your homeowners policy.
A Home Insurance Policy Will Begin With These Six Coverages:
- The Dwelling which consists of your home structure
- Attached and Unattached structures such as a garage, a deck, a pool house, a shed or a garden shed
- Living expenses will cover you should you become displaced from your home as a result of a covered loss. This would pay for those expenses
- Personal liability. If you were found liable for an incident that happened on your property you would find protection here
- Medical payments. This coverage applies to guests or people who may become injured while on your property
- Personal belongings also know as contents, such as your clothing,
electronics, furniture, appliances, TV'S, and other items within your home
As you can see, Dighton Homeowners Insurance policies are quite extensive, although, even with all their built-in coverages there are many limitations and exclusions. A few of the "regular exclusions" they do not provide coverage for are: flood, war, earthquake, terrorism, and intentional acts on your home. To be sure you have the protection that you need please talk with one of our insurance professionals. Our Team can also go over what other important coverages that are found in your policy that have limitations. Such as cash, gold, silver, silverware, coins, and your collectables and antiques. All of these can be properly protected either by endorsement or a special rider just for what you need.
For the past 166 years we have provided home protection insurance. We are dedicated local people who care and are willing to take the time to LISTEN. We want to hear what you have to say and what it is that is most important to you and why. There are a lot of insurance agencies out there and even ones who want to cover you in fifteen minutes or less. We are NOT one of them. We take pride in our ability to listen, to develop a relationship, and to work with you to protect one of your most valued assets.
"My Home Is Also My Office. Am I Covered Because I Work From Home?"
Chances are your Home Owners Insurance will not cover your home business. Even that spare room you just turned into your home office may be excluded. Now this does not mean you cannot be protected for your home office. It just needs to be insured through a rider, or its own policy. All of your business equipment, supplies, and stock is excluded under a typical Homeowners policy. Being your own boss, there is nothing like it, however, please don't let all of that hard work go unprotected. Again, this is why we like to talk to our clients. We want to hear what you have to say and get an idea of what is going on in your life and at home!
The Roof Over Your Head Protects So Much More These Days!
The roof that is protecting your family is doing much much more these days. It is now protecting your investment and if you work from home it also protects your business. Most importantly, it is protecting your family and probably one of your biggest investments. Be sure you are not in for any surprises should a loss or a claim occur.
We cannot predict what the weather will bring, or if an accident will happen, or even if another super storm will finally reach us. What we can do is have real conversations, listen to you, and help you be better prepared by making informed decisions on what is most important.
The Allan M. Walker Insurance Agency also write East Bridgewater Homeowners Insurance, Rehoboth Home Owners Insurance, and additional coverages throughout all of Massachusetts.
Just Neighbors Helping Neighbors
Protection Is Our Business ~ Service Our Product