您需要了解的COVID-19和房主保险

Is there any part of our lives that hasn?t been touched by the pandemic? Although homeowners insurance is not exempt, the good news is that the current crisis won?t affect it that much. But it?s important to be aware of how it could impact you, and what adjustments you may need to make as a result. Here?s what you should know so that you can stay informed.

Getting new coverage

The pandemic has changed the process of buying a home. One of the final steps of the closing process is the 房屋检查, which happens after you?ve been approved for homeowners insurance. Typically, the insurance company would send an adjuster to the home to perform an exterior and interior inspection to verify your coverage or make rate adjustments. However, with social distancing guidelines in place, some adjusters may only evaluate the home?s exterior. You will still be covered in these cases, but the interior inspection may happen at a later date, once the danger has passed.

Working from home

If you?re one of the many Americans now working from home, then you may not have enough coverage for your business equipment. Most homeowners insurance policies cover business property, but the limits of liability are relatively low — usually up to about $2,500. If you?ve been forced to relocate your business equipment to your home, you may want to increase your coverage for that property.

Pausing home-sharing protection

Do you own any properties that you rent on short-term rental sites like VRBO or Airbnb? If so, then you may not be renting out those properties for some time. If you have home-sharing protection on your homeowners insurance policy, then ask your insurance company if you can temporarily pause that coverage. You could save money since you?re not able to rent out your home right now.

Filing claims

If you find yourself in the position of needing to file a claim, then you will need to do so virtually. Most adjusters are unable to travel or visit in-person at this time. Follow the instructions provided by your insurance company to file your claim online. In most cases, they will accept virtual proof for small claims. If your claim is large, however, then they may send an adjuster out anyway. Make sure that your insurance company provides instructions about what you need to do if the adjuster comes out so that all parties remain safe.

Struggling with payments

Are you having a difficult time making your payments because of financial hardships caused by the pandemic? Then contact your insurance company. Many companies are willing to work with their clients right now to create payment plans. It?s important that you stay in contact with your insurer and inform them of any difficulties you are currently experiencing.

Partnering with the experts

If you?re looking for the right homeowners insurance coverage for you, then it?s important to work with the experts. Contact 代理公司. and 代理保险解决方案 今天在 949-791-8160 要么 [email protected]. Our team is standing by to answer all your questions.