Four things you might not realize about home insurance

If you own a home, you need to protect the investment that you’ve made in your property by purchasing home insurance. At Johnsen Insurance, we offer home insurance coverage in Baraboo, WI.

Getting the information you need about home insurance is essential.

Here are four things you might not realize about home insurance:

A standard home insurance policy doesn’t cover earthquake damage.

If you live in an area that is susceptible to earthquakes, you need to adjust your home insurance coverage accordingly. Unfortunately, earthquake coverage is not included in a standard home insurance policy. You’ll have to invest in earthquake coverage separately if you don’t want to have to pay out of pocket for earthquake damages. 

You can’t expect standard home insurance to cover a home-based business.

Do you run a business from your home? If so, you may have some unique insurance needs. Don’t assume that any home insurance requirements will cover you from at-home business operations. 

Home insurance might not cover the full value of belongings in your home.

If you have particularly valuable electronics, jewelry, or other possessions in your home, you need to check on the personal property coverage on your home insurance policy. You may need to increase your policy maximums if possessions in your home are especially valuable. 

You may need to meet home maintenance requirements to ensure that your home insurance remains in effect.

Some home insurance policies specify home maintenance requirements. If you don’t keep up with such requirements, your home insurance coverage might no longer be in effect. 

Reach Out To Us

Call us at Johnsen Insurance to get a quote on a home insurance policy for your property in Baraboo, WI.