Debunking the Most Common Myths About Home Insurance

With insurance, it’s important to keep in mind that there are two basic types: home and auto. While those aren’t the only types, they are the most common. Your home and your car always need to be protected in the event of an accident, and it’s important to know what kind of policy you are getting. If you’re looking for house insurance in Bergen County, David G. Sayles Insurance Services has you covered. No other company will treat you better. David G. Sayles offers comprehensive insurance in order to preserve your vital monetary assets, such as your home, and today we will discuss home insurance and debunk some common myths surrounding it.

Myth #1: Your House is Protected in the Event of a Flood

A common misconception is that you automatically have coverage from floods wrapped into your home insurance policy, according to Insurance Hotline. Unfortunately, most floods are not covered under standard home insurance, meaning you have to purchase it on your own. If you live in an area prone to flooding, it may be best to consider purchasing flood coverage, just to be on the safe side.

Myth #2: Your Jewelry is Covered in the Event of a Robbery

A big myth is that your jewelry is covered just in case it is stolen. While you can receive some coverage for what’s inside your house, it won’t be enough to completely replace your stolen goods. With David G. Sayles, getting house insurance in Bergen County that covers everything is easy, and we are happy to discuss additional coverage for your valuables.

Myth #3: Your Home Insurance Covers if Someone is Injured in Your Home

Another misconception is that your home insurance will cover if someone is injured in your house. While guests can get covered in the event of something happening in your house, the people who actually live in the home don’t get much help. If you reside in that household and are hurt, you are not covered.

Myth #4: Your Business is Covered Through Your Home Insurance Policy

One myth is that your business is covered through your home insurance policy if it is based out of the home. It actually is not, meaning you must purchase separate insurance for your business.

Myth #5: You Don’t Need Home Insurance, It’s Not Worth the Investment

While it’s not required to have home insurance, it’s still something that you should have. The premiums might feel like a hefty price to pay but they are worth it to keep your investments protected.

If you’re searching to take the next step, contact David G. Sayles about getting house insurance in Bergen County. We are here to best serve your needs and guide you through every step of your next investment.

About David G. Sayles Insurance Services

At David G. Sayles Insurance Services, we strive to protect the investments of homeowners like you. Our comprehensive policies are customized for you to provide the exact coverage you need. For more information, contact us today at (800) 439-0292.