Avoid Costly Home Insurance Gaps With The Right Homeowners Insurance In Mokena, IL

Make sure you have homeowners insurance in Mokena, IL and are wary of home insurance gaps.

Your home is your safe haven. It’s a place to call your own. It’s the place you go to relax after a hard day at work, it’s the place where you building lasting memories with your family. Making sure your home is safe is a top priority, but not all homeowners insurance policies in Mokena, IL give you all the coverage you need. Be wary of home insurance gaps and check out these areas where your house may be lacking coverage.

  • Natural disasters. When a natural disaster strikes, you expect to be covered, but that’s not always the case. While your policy may cover certain disasters, other aren’t covered. Be sure to check with your insurance agent to see which disasters are covered and where you need additional coverage.
  • Sump-pump and sewage backup. Not all flooding is caused by natural disaster. In the event that you experience damages from plumbing issues, you’re not necessarily covered. Be sure to invest in supplemental policies to ensure that you’re well covered and ready for anything.
  • Rebuilding costs. The value of your home and the cost to rebuild your home are two separate entities. Be aware that your policy likely only covers rebuilding costs and has a limited amount of coverage. Should you need additional funds to rebuild additional coverage will come in handy.
  • Personal belongings. While your home insurance likely covers the structure of your home, it doesn’t always cover all your belongings. Be sure to take out a personal property policy to ensure that your possessions are properly insured.

Make sure you know what your homeowners insurance in Mokena, IL covers. For help with your policies and purchasing additional coverage, be sure to contact the professionals at the Hicks Insurance Group. Located in Illinois, we serve all your personal and commercial insurance needs.