Capalbo Insurance Group LLC Discusses Adding Coverage To Your Homeowners Policy
Standard homeowners insurance policies are designed to cover many of the common risks homes face in everyday life. However, there may be situations where individuals require additional coverage for unique features or additions to their homes. At Capalbo Insurance Group LLC, located in South Kingstown, RI, we are ready to assist you in obtaining the necessary extra coverage.
Understanding Your Standard Homeowners Coverage
The typical homeowner’s policy covers common hazards such as fire, theft, vandalism, and various other types of damage. However, living in areas prone to hurricanes, earthquakes, or flooding may necessitate the addition of extra coverage to avoid costly repair and replacement expenses.
When You Might Need Additional Insurance Coverage
Several circumstances might prompt you to consider augmenting your current policy. Your property value may have surged significantly, which commands more coverage. Additional features installed in your home, like a hot tub or sauna, may not fall under a standard policy. If the cost of rebuilding has dramatically increased, you might need to adjust the coverage amount to accommodate a potentially significant event. Major renovations, such as increasing square footage or adding more bathrooms, will raise your home’s value. Similarly, if you have introduced expensive artwork, jewelry, or other high-value items that exceed your policy’s limit, it would be prudent to enhance your insurance coverage.
Make Capalbo Insurance Group Your Agency For Home Insurance in Rhode Island
Our agents in South Kingstown, RI are available to provide comprehensive answers to assist you in making informed decisions about your insurance. We supply our clients with various insurance products encompassing auto, home, life, renters, RV, and business. Contact Capalbo Insurance Group LLC today for a no-obligation quote on homeowners insurance that includes additional protection tailored to your updated requirements.
