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Why a basic homeowner is not always enough



Sometimes a basic policy for homeowners is not enough. So as your career develops and your income increases, it is important to keep your insurance coverage up to date. This helps you avoid expensive gaps in coverage and prevents you from paying too much in your pocket in the event of a claim. To be properly protected, you need a policy for homeowners who grow with you.

At Bolder Insurance, therefore, we offer several options for homeowners, including various coverage packages, especially for customers who need higher levels of protection. You can benefit from additional coverage if any of the following applies to you:

  • The cost of completely remodeling your home is between $ 500,000 and $ 3 million.
  • You have a specially built home.
  • Your home has marble. countertops, bespoke cabinets, advanced appliances or electronics, valuable collections of various kinds or similar amenities.
  • You have significant financial assets to protect.
  • You have additional or unique risk exposure.

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  • "width =" 300 "height =" 200 "srcset =" https://www.bolderinsurance.com/wp-content/uploads/2021/02/Homeowners-insuarnce -300×200.jpeg 300w, https://www.bolderinsurance.com/wp-content/uploads/2021/02/Homeowners-insuarnce-1024×683.jpeg 1024w, https://www.bolderinsurance.com/wp-content/uploads /2021/02/Homeowners-insuarnce-768×512.jpeg 768w, https://www.bolderinsurance.com/wp-content/uploads/2021/02/Homeowners-insuarnce-1536×1024.jpeg 1536w, https: //www.bolderinsurance .com / wp-content / uploads / 2021/02 / Homeowners-insuarnce-2048×1365.jpeg 2048w, https://www.bolderinsurance.com/wp-content/uploads/2021/02/Homeowners-insuarnce-1080×720.jpeg 1080w "sizes =" (max-width: 300px) 100vw, 300px "/> Our various options for homeowners give you the flexibility to easily add affordable comprehensive coverage g in your policy without confusing claims or other complications. These valuable options include:

    Extended housing coverage. Full remodeling costs often differ from market value, so your current homeowner may not accurately reflect the actual cost of remodeling your home. Extended housing coverage will help you rebuild the construction or allowable costs change and add more than your current policy limits. It can also pay for garbage removal, construction costs, construction fees and permits, architectural fees and other costs.

    Building ordinance or legal coverage. If your home needs to be rebuilt or repaired due to a covered loss, you must build according to current building regulations. And as codes change, this can mean higher costs than expected to rebuild. Building order policy, or legal coverage, exists for just such scenarios – and it can save thousands.

    Reimbursement cost for coverage. With this loss settlement option, you can choose not to rebuild at the original location after a total loss covered. In this case, you will receive a payment for buying or building a new home in a new location.

    Cost recovery for compensation of personal property. This helps cover the cost of replacing personal property, such as electronics, art, jewelry and furniture, without depreciation. So you get the amount needed to buy an identical or comparable item rather than settle for something of lesser value.

    Coverage of personal crime. This gives you broad protection against a range of lawsuits and damages related to libel, slander, libel of character, invasion of privacy and other crimes. This may include comments made by either you or your children on social media.

    Is your homeowner's policy up to date? If you are unsure or have outgrown your current coverage, contact your local Bolder Insurance Advisor to discuss your situation and get the protection you really need.

    Always see your individual insurance and contact your insurance advisor to review your individual insurance coverage.
    Content from this blog was provided by Safeco Insurance Company


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