Homeowner’s insurance provides essential protection for your assets. Policies from Amerisent Insurance typically cover a gamut of perils, including natural disasters and possible fire damage. For example, if a tree falls on your home during a storm, most insurance policies can help cover the damages. However, with burglary incidents becoming increasingly common, how does your homeowner’s insurance safeguard you against them?
Personal Property Coverage
Most homeowners insurance policies in Las Vegas, NV, inclusively offer personal property coverage. This level of coverage can compensate for damages to personal belongings, including theft. However, this is a standard feature in homeowner’s insurance, it is always advisable to verify this aspect with your insurance agent. Insurance policies can frequently vary depending on the company, and some providers might offer personal property as an add-on feature instead of including it in the standard policy.
Coverage Limitations
It’s essential for homeowners to remember that insurance policies always have limits on the coverage they offer. For example, by opting for lower personal property coverage, you might benefit from lower premiums. However, if your coverage covers up to $5,000 of personal property and a thief makes away with personal property worth $10,000, your insurance won’t cover the entire loss. Therefore, always be aware of the limitations on coverage by understanding the details of your policy.
Reach Out to Amerisent Insurance
Theft is generally covered under homeowners insurance in Las Vegas, NV, but every policy and insurance company differs. You should always consult a professional insurance agent to verify if your policy covers theft. If you’re concerned about theft, inquire if you can include personal property coverage along with its cost coverage in your insurance policy. Contact us at Amerisent Insurance today to discover more about our homeowner’s insurance policies and their coverage extent.
