Home insurance can help protect you from financial ruin after a natural disaster damages your property. Hurricanes often bring strong winds that can knock down trees, while tornadoes and other disasters leave behind trails of destruction. Every homeowner should understand their coverage before disaster strikes.
Typical Coverage
Home insurance policies in Monroe, GA, typically cover the dwelling, personal belongings, and additional items on the property. This can include recreational vehicles, such as RVs and boats. However, the same rules regarding limits and exclusions that apply to your home also apply to your RV.
Coverage Limits
Insurance policies always have coverage limits. While your policy may provide sufficient coverage to repair your home, it may not be enough to replace your RV. Speak with a professional at a company like Atkinson Casey Agency to learn more about your coverage limits and options.
Policy Exclusions
Policies often include exclusions that apply to items on the property, including RVs. Some policies in Monroe, GA, specifically exclude certain natural disasters, such as hurricanes. Homeowners may need to purchase additional coverage to protect their property during these events.
Making Sure Your RV Is Covered
Take proactive steps to ensure everything you own is covered in the event of a disaster. Start by creating a list of items you own that may need replacement and estimating their replacement costs. Then, contact your insurance company to discuss your coverage limits. Additional coverage can often be purchased if necessary.
While speaking with your agent, ask about policy exclusions. If your area frequently experiences certain natural disasters, make sure to inquire about coverage for those events. Your agent can help you purchase additional protection for your RV. Contact the agents at Atkinson Casey Agency today to learn more about our services. We proudly serve the Monroe, GA, area.
