As you move forward with a new home, it can sometimes be intimidating. Particularly when it comes to property insurance! But it shouldn’t be, and doesn’t have to be. We’ve even had people tell us they’d rather not have property insurance, and you’d be surprised at the number of people who don’t get property insurance simply because it can be confusing. Here are our three reasons why every Denver homeowner should have property insurance:
Most of the Time…It’s Required
To start with the obvious, most mortgage lenders will require you to have property insurance when purchasing a home. Afterall, your mortgage lender is making an investment in the property and they don’t want a natural disaster to cause damage that you won’t be able to pay for. If you drop coverage at any point during having a home, most of the time your mortgage company will purchase a policy for you and tack on additional fees and raise your payment. Do yourself a favor, keep a homeowner’s insurance policy!
Your insurance policy will protect your home in case of a natural disaster, fire, or anything else that can cause havoc in your home. Not only will the policy protect the structural integrity of your home, but did you know it will also protect your possessions? Yes, that’s right! If your home gets burglarized, you will be able to recoup most of the value of your possessions and purchase new ones. Not only will your home insurance policy protect your house and possessions, but most of the time it will also protect you from liability. If you have a party and someone slips and falls outside, your home owner’s insurance can be essential in protecting your assets.
A “Safety Blanket”
We always hope for the best, but sometimes the worst strikes us and you feel lost. The good news, is that if your home is destroyed to a point where it’s inhabitable your policy can help you afford temporary housing. Most of the time “additional living expense coverage,” is standard in policies, and it will help you afford other means of housing in the event of a disaster. While it’s always hard to think worst case, sometimes you should prepare for the worst and hope NOT to use it.
At Aspen Claims, we’ve helped thousands of clients get what’s rightfully deserved in the event of natural disaster, property damage, and personal injury. That’s why residents and professionals from Aspen, Denver, Littleton, Aurora and across the United States rely on our expert staff and highly professional claims adjustment service. To get started, just give us a call at 888-819-5904, we are happy to help and would love for you to experience the Aspen difference.
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