What Does Home Insurance Actually Cover?

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Buying a home is one of the biggest investments you can make in your life. You want to make sure it's protected in the event of a disaster or accident. For a home, you will need dwelling coverage, which covers the bricks, mortar, and everything attached to the house. In the event of a fire or total loss, you can rebuild and get back into your home with this type of insurance. However, dwelling insurance doesn't cover detached garages, outdoor sheds, or any other standalone structures on your property.

For your personal property, you want to make sure you're covered under your homeowner's insurance policy. Think of your home as a dollhouse. If you picked it up and shook it, everything that falls out would be your personal property. Watches and jewelry are covered, but you may need endorsements or additional coverage based on your collection.

When you're trying to figure out where to start, talk to a real person like an insurance adviser or real estate agent. We can help put you on the right path to success.

If you have any questions, feel free to give us a call or send us an email. We look forward to hearing from you!

How to Save on Your Northern Virginia Home Insurance

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Today, we share some tips to help you save money on your home insurance! Megan Merkosky of Brown & Brown Insurance is here to explain.

Deductibles play a part in your home insurance and can help drive down your premium. We recommend a deductible of $1,000 or more, because the higher the deductible, the lower your insurance prices will be. In other words, the lower your deductible, the higher your monthly payment will be for insurance. 

A deductible higher than $1,000 will keep you from filing claims that aren't necessary. Fires, thefts, a flooding basement: these are things that you should file claims for, not things a handyman could fix. To maximize your insurance discount and save you more money, it's beneficial to have all your insurance policies (home, auto, etc.) in one place. 

By reaching out to someone at Brown & Brown Insurance, you will maximize your time, get a second pair of eyes, and an advisor to help you. A home is one of the biggest purchases you'll make, so you want to make sure it's insured correctly! Give us a call or shoot us an email if you have any questions, or you can reach Megan directly at (571) 229-1443 or MMerkosky@BBDCMetro.com. We look forward to hearing from you soon!