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Understanding Your Policy: A Guide to Reading Home Insurance

When it comes to home insurance, many residents in Easton, PA don’t realize the investment they’re making. While you understand that home insurance is necessary for financial protection, there are many different aspects that can be confusing for many. At Valor Insurance, we want to make it easy for our customers to understand their policies. This guide helps you understand what you need to know.

Declarations Page

The first thing you should understand is the declarations page. Essentially, it’s an overview of your home insurance policy. It will summarize details about your coverage (i.e., dwelling, personal property, deductibles, premiums, and possible discounts).

At the top, you should also see your name and address and the policy period. Since they typically last a year, the dates will reflect that length of time accordingly. The mortgage lender will also be listed somewhere on your policy. They might have specific requirements about what coverages are needed depending on where you live.

Perils Your Policy Covers

Part of having a home insurance policy is knowing what is covered in an unexpected event. Your home insurance policy can list different examples of different perils that you would have protection for. Some examples include the following:

  • Natural disasters like lightning or tornado
  • Smoke damage
  • Theft
  • Vehicle damage
  • Vandalism
  • Someone else injured on your property

Noted on your policy will also be exclusions or examples of what isn’t covered by your policy. For instance, general wear and tear to the property, like carpet or appliances, will not be covered. 

Find Out More About Home Insurance In Easton, PA

Feel free to call Valor Insurance if you need to find out more about home insurance coverage or if you need to get an estimate. We look forward to helping.