Most people think of their home insurance policy as one long document that’s difficult to read and even more difficult to understand. It’s often why people end up with coverage that’s either irrelevant or unhelpful in the case of a disaster. At The Hansen Agency LLC, we’ll look at how homeowners in Washington, PA, can prioritize their insurance so it protects them when they need it most. 

Make a List 

Every homeowner uses their home differently, which is why it’s important to consider the risks. For example, if you have parties every week, you may want to look into higher liability coverage in case of an accident or injury. An umbrella policy can help raise the liability limits on your home and auto policies, giving you peace of mind.

Or, say you have an extensive art or jewelry collection. For this, you can add a scheduled personal property endorsement, which provides broader coverage for high-value items. 

Consider Your Other Structures 

From garages to pools, the other structures on your property matter. For example, if you put in an affordable gazebo, you’ll want to balance out how much you’re willing to spend on insurance to protect it. (It could be cheaper to pay out of pocket to repair or replace it if it’s damaged.)

Talk To Someone Who Knows 

If you don’t want to spend your time reading every line of a long insurance contract, The Hansen Agency LLC is here to help you piece it together. Our agents have seen how different claims work out in Washington, PA. They can help you cut out the excess in your policy and swap in better terms and conditions.