Protect Your Investment with Coverage from T R Williams Insurance
Buying a home is an exciting milestone, but protecting it with the right insurance is just as important. As a new homeowner in Findlay, OH, understanding your coverage options can save you from costly surprises. Here’s what you need to know.
Know What Your Policy Covers
Essential insurance tips for new homeowners include understanding what your policy covers. Your policy should protect against fire, theft, storms, and liability claims. Review your coverage limits and ensure they match the replacement cost of your home—not just the market value.
Consider Flood and Sewer Backup Insurance
Standard home insurance does not cover flood damage. Findlay homeowners should assess whether additional flood insurance is necessary, especially in areas prone to heavy rainfall. Sewer backup coverage is also a smart add-on to prevent costly repairs.
T R Williams Insurance Can Update Your Policy for Home Improvements
If you plan on remodeling or upgrading, notify your insurer. A finished basement or an updated kitchen could increase the value of your home and may require additional coverage.
Maintain a Home Inventory for Claims
Also among our essential tips for new homeowners is documenting your belongings with photos and receipts, which ensures an easier claims process if theft or disaster strikes. Store this information digitally for easy access. Follow this Home Insurance Checklist for New Homeowners in Findlay, OH:
- Confirm replacement cost coverage
- Review deductibles and policy limits
- Add flood and sewer backup insurance if needed
- Notify your insurer of renovations
- Bundle home and auto for savings
- Maintain a digital home inventory
Owning a home is a big responsibility, and having the right insurance ensures that you’re prepared for the unexpected. By reviewing your policy, considering additional coverage, and keeping an updated home inventory, you can safeguard your investment and enjoy peace of mind. T R Williams Insurance in Findlay, OH is here to help.
Contact us at (419) 423-3720 when you need to review your policy, add extra protection, or bundle for savings. Follow us on Facebook. We’re here to give you guidance on essential insurance tips for new homeowners!
Contact T R Williams Insurance Agency Today!