Many homeowners may feel that their homes are adequately insured. However, there are a plethora of homeowners, or unfortunately former homeowners, who have endured great loss when a travesty occurred. These people found out the hard way that they’re homes weren’t adequately covered when a natural disaster hit, someone was injured on their property, etc. Having said this, the following includes some risks of having an underinsured home: <\/p>\n
Homeowners sometimes must repair or replace different parts in the home to maintain current standards and codes after an emergency. So, comprehensive coverage is required. <\/p>\n
It’s imperative to have proper coverage for floods especially if living in a flood zone area. Additional coverage may still be needed even with the maximum protection of FEMA flood insurance. <\/p>\n
Expensive items, such as jewelry, electronics, antiques, and classic cars, may not be covered in a standard policy.<\/p>\n
If you must file a claim and is underinsured, your insurer could totally cancel your insurance policy. <\/p>\n
After being involved in an accident, you could have a deductible costing about $3,000 to $5,000 instead of a $500 deductible. <\/p>\n
If you are underinsured, the claims process can be terrible. <\/p>\n
It is crucial to ensure your home is adequately covered. If you live in the Astoria, OR or surrounding areas, various incidents ranging from frozen, busted pipes in the winter to floods\/tornadoes, don’t risk being underinsured. With Linda Dugan Insurance, they can guide you step-by-step to ensure complete coverage. With several years, these insurance experts know the ins-and-outs of the insurance industry. Located in Astoria, you should contact them today. <\/span><\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Many homeowners may feel that their homes are adequately insured. However, there are a plethora of homeowners, or unfortunately former homeowners, who have endured great loss when a travesty occurred. These people found out the hard way that they’re homes weren’t adequately covered when a natural disaster hit, someone was injured on their property, etc. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[49,45],"class_list":["post-282","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-astoria-or","tag-linda-dugan-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts\/282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/comments?post=282"}],"version-history":[{"count":1,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts\/282\/revisions"}],"predecessor-version":[{"id":283,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts\/282\/revisions\/283"}],"wp:attachment":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/media?parent=282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/categories?post=282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/tags?post=282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}