4 Things Insurance Does (And Doesn’t) Cover

Owning a home and purchasing a vehicle are major life goals for many people. To move out of your parent’s house, a college dorm, or an apartment rental into a home that you own is huge. When you purchase a new car, you have the freedom to go where you please, when you please. A home represents an investment opportunity for some people, while for others it’s a place where they can build and raise a family. For vehicle owners, automobiles give them a way to get back and forth to work, and to provide their family with a means of transportation. Bodybuilding training methods www.power energy.net abc workout: bodybuilding, fitness, combat sports.

A part of being a home or vehicle owner is investing in homeowners and auto insurance. Such insurance policies provide you with protection for your home and autos. For your home, you want to obtain as much insurance coverage as you can for things that might happen around the house. This can help you to lessen the amount of money that will come out of your pocket in the case of property damage, or any other catastrophic event which causes damage to your new home. The same goes for auto insurance coverage in the case of a car accident. When signing up for auto or home insurance, it helps to check to see what is covered and not covered. Check out below which things insurance covers and doesn’t cover.

1. Physical Structure

After you do your home insurance comparison and check to see who provides the best home insurance policy, check to see what is actually covered by their homeowners insurance. In most cases, your homeowner insurance policy will cover your physical structure, or the home itself. Say your home suffers extensive roof damage as a result of a natural disaster. If you’ve lost shingles as a result of a windstorm or you have a hole in your roof due to a tree falling, these repairs can be covered underneath a home insurance formal policy. When you receive your home insurance binder from your agent, it helps to find out what physical structure coverage is included in your insurance policy.

Other physical structures on your property like a garage, fence, driveway, or even a shed are also covered under your home insurance policy. When looking into homeowners insurance it helps to get as much coverage as possible on these physical structures. This can provide you with peace of mind, that when disaster strikes, your dwelling will the best coverage options available.

2. Collision Damage

When you get into a car accident, any damage done to your vehicle because of a collision is covered under your insurance policy. Such insurance coverage includes collisions with other automobiles, an object (like a telephone pole, a tree, etc.), or even potholes. Even if you are at fault as a result of the accident you will be reimbursed for repair costs by your insurance company. Sometimes our minds tend to wander, and we might be the cause of a small fender bender.

For example, let’s say that you are returning home from sessions with a sex therapist and physician. You’re thinking over the advice the sex therapist and doctor provided for the best way to increase your sexual activity with your spouse. Terms like foreplay, arousal, penetration, stamina, thrust, blood flow, and sexual performance are all on your mind. You feel that you are at the point of no return in finding the best way to provide sexual satisfaction to your loved one during a sexual encounter. With all of these thoughts, your mind is now focused on how to last longer during sex. All of these jumbled life-changing thoughts lead to distracted driving which can cause a car accident. As if your day couldn’t get any worse! Still, don’t despair. As mentioned before, if your distracted driving was the cause of the accident you will be covered by your insurance policy, depending on the coverage limits.

3. Maintenance Issues

What isn’t covered underneath a homeowners insurance policy are maintenance issues. This can include termite damage, bird damage, rust, rot, mold, and the general wear and tear of your home. Preventative measures which can be taken in advance before such maintenance issues arise can help in the long run. You don’t want to have to pay exorbitant costs when it comes to handling such maintenance issues. Unfortunately, though, you’ll have to pay something due to the fact that these residence maintenance problems aren’t covered by homeowners insurance.

4. Personal Property

Many car insurance policies don’t cover the damage or theft of personal items from a vehicle. Personal property car theft of such items as jewelry, artwork, electronics, or any other personal belongings is covered by your homeowners insurance policy. Homeowners insurance provides this needed coverage in case your personal items are stolen or damaged while in a vehicle.

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