Do You Have Enough Homeowners Insurance?

When it comes to something as important as your home, do you have enough homeowners insurance in Sacramento to protect your greatest investment?

For many people across the nation, their home is their biggest investment and asset. Needless to say, it is an important piece of property. So important that everything seems to be conspiring against it at every turn. These risks can have severe financial consequences if you are not properly covered. You have to make sure that your home is properly covered if you want to protect this investment from being a financial disaster. Here are a few homeowners insurance tips you need to know in order to fully protect your home from disaster.
Enough insurance to fully rebuild your home. 
Some people believe that they only need enough insurance to cover the remainder of their mortgage. What they fail to consider is what will happen if their home is completely desolated. If your home is destroyed, you need enough insurance to rebuild. Coverage needs to cover the cost of clean up, raw materials, and construction.
Home improvement increases home value. 
When you upgrade your home (like refurbish your kitchen and bath, or make big-ticket purchases), the value of your home goes up. This increase means that you have to update your homeowners insurance in Sacramento to cover this new upgrade to your home.
Attractive nuisances must be covered for coverage. 
Attractive nuisances like pools, trampolines, tree houses, and other fun things of this nature also increase your liability risk. If your guests injure themselves on any of these structures, your policy will not cover the medical expenses for which you are liable.
To fully protect your home from all the dangers that lurk around the corner you need proper coverage. Email us at Or call us at (530) 756-5561.  We will give you that homeowners insurance quote the very same day.  For all of your insurance needs, don’t hesitate to contact Purves & Associates.