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When you purchase home insurance, there are a lot of potentially costly mistakes that it’s important for you to avoid. At Harris Insurance, we can help you to avoid mistakes when you insure your home in Jasper, AL.

Here are four common home insurance mistakes to avoid:

Buying the first home insurance policy that you come across

Getting quotes and comparing them is an important step in the process of buying home insurance. If you don’t compare quotes, you won’t know if the policy that you’re purchasing is competitively priced and offers you high-quality coverage.

Foregoing coverage for sewer backups

Sewer backups are a fairly common and unpleasant problem in a home that a standard home insurance policy doesn’t usually cover. You’ll need to have this type of coverage added to your policy if you want to benefit from it. 

Assuming you have coverage that you don’t have

Read the fine print and know what’s covered in your policy. Unfortunately, homeowners sometimes make assumptions about what their policy covers and then end up disappointed when accidents happen, and they try to file a claim for damages that aren’t covered. 

Failing to take the time to customize your coverage

You can customize your home insurance policy by adding certain types of coverage or choosing particular deductible or maximum coverage amounts that best meet your needs.

Taking the time to customize your policy by making such adjustments helps ensure that you’re getting the best possible policy for your needs. 

We Are Here To Help!

Contact us at Harris Insurance for a quote on an insurance policy for your property in Jasper, AL. We’ll be happy to come to your assistance and answer all your questions about the home insurance policies that we offer. 

People that are in the Jasper, AL area may find that owning a home is a great housing option. When you are going to purchase a home in this part of the state, it is always wise to get insurance for the home.

There are various reasons why having a home insurance plan here will be a good idea:

Coverage Protects Assets

An important reason that you should have a home insurance plan is so you can protect your assets. Your home is likely the largest and most valuable asset that you will ever own. Due to this, ensuring you have support if it sustains damage is important. One way this can be done is by getting a full home insurance plan, which offers coverage if you incur damage from a covered loss. A home insurance policy also offers coverage for your personal assets up to the policy limits. 

Comply with Requirements

You also will want to have a home insurance plan so you can comply with various requirements. If you choose to buy a home, you will likely have various insurance requirements. These can be set by mortgage lenders or home associations. When you are properly insured, you can stay in good standing with these requirements. This could help you avoid penalization or being in default on various agreements. 

Contact Us Today

It is always a good idea for people in the Jasper, AL area to have home insurance. If you are looking for this coverage in Alabama, it would be helpful to call Harris Insurance. There are a lot of choices to make when looking for coverage and Harris Insurance can help you assess your options. This can help ensure you are able to build a plan that will properly meet your needs. 

If you own a home, it’s vital that you have the right insurance coverage for it. It’s important to always have a home insurance policy to cover the home and protect your own finances. A home is likely your largest investment, and it’s smart to always keep it protected. In addition, it is generally required by lenders that you must have this insurance in place to protect their investment as well. When you need a home insurance policy, call us at Harris Insurance in Jasper, AL to find out more.

Benefits of Home Insurance

Protection for Your Possessions

One of the ways that your home insurance keeps you protected is that it provides coverage for all of your possessions that are in the house. It’s important to have this coverage because you never know when a damaging event could destroy your things. If this were to happen, it could cost many thousands of dollars to replace it all. Home insurance is the policy that pays for the replacement of all of those items. The amount of items in your home adds up to a very large value, so keep it all protected with home insurance. 

Dwelling Protection

Home insurance also covers the dwelling. If a serious event happened to the home, and it needed repairs, the home policy would pay for those repairs. Home repairs, especially major ones, can be prohibitively expensive to pay for. Without home insurance, you might not be able to afford them. It’s never a good idea to go without this coverage because of the many things that can happen that damage a home.

Get Your Home Insurance Policy Today

If you are going without home insurance, or you are buying a home, you need to set up a home insurance policy. Call us at Harris Insurance in Jasper, AL and we will assist you to get the coverage you need.

When a hurricane hits, the damage can be devastating. If your home is in the path of a hurricane, it’s essential to know if your home insurance will cover the damage. Here’s everything you need to know about home insurance and hurricane damage in Jasper, AL.

What Does Home Insurance Cover?

Home insurance typically covers damage caused by fire, wind, hail, lightning, and theft. However, coverage varies from policy to policy, so it’s essential to read your policy carefully and know what is and isn’t covered.

For example, most home insurance policies don’t cover damage caused by flooding, so if you live in an area prone to flooding, you’ll need to purchase separate flood insurance. Your Harris Insurance agent can help you determine your coverage types.

What About Hurricane Damage?

Home insurance if wind typically covers hurricane damage or rain causes the damage. However, as with any other type of natural disaster, it’s important to read your policy carefully to see what is and isn’t covered. A Harris Insurance agent can help you understand your policy and what it covers.

How to Prepare for Hurricane Season

If you live in an area susceptible to hurricanes, there are a few things you can do to prepare.

First, make sure you have an adequate insurance policy in place. Standard home insurance policies cover wind and general storm damage, but in Alabama, you may need a separate policy because the area is prone to hurricanes.

You should also create an emergency kit and have a plan in place in case you need to evacuate. Your emergency kit should include food, water, a first-aid kit, and essential documents.

You should also make sure your home is prepared for a hurricane. This includes trimming trees and shrubs, securing loose items, and reinforcing doors and windows.

Give Us A Call

By taking these steps, you can help protect your home and belongings in the event of a hurricane. To learn more about protecting your home with insurance in Jasper, AL, contact Harris Insurance.