Call Us 877-945-7233 ☰ ˟
Saferoad Insurance
Call Us 877-945-7233
  • HOME
  • Insurance Products
    • Auto
    • High-Risk
    • Homeowners
    • Motorcycle
    • Business & Commercial
    • Commercial AutoImage of right arrow
      • Food Truck Insurance
      • Contractor Insurance
      • Dump Truck Insurance
      • Delivery Driver Insurance
      • Semi Truck Insurance
      • Box Truck Insurance
      • Semi Truck Insurance
      • Moving Truck Insurance
      • Pickup Truck Insurance
      • Plumber Auto Insurance
      • Tractor Trailer Insurance
      • Van Insurance
    • Recreational Vehicle
    • Watercraft & Boat
    • Renters
    • Life
    • General Liability Insurance
    • Mexico Insurance
  • Payment & Claims
  • Tax & Registration
    • DMV Registration
    • Vehicle Registration
    • Tax Preparation
    • Insurance Glossary
  • Contact Us
    • Contact Us
    • About Us
    • Locations
    • Refer a Friend
    • Careers
    • Blog

Get an INSTANT QUOTE


Get a free quote

Home > Blog > Common Homeowner’s Insurance Mistakes To Avoid in 2022
FRIDAY, JUNE 17, 2022

Common Homeowner’s Insurance Mistakes To Avoid in 2022

Common Homeowner’s Insurance Mistakes To Avoid in 2022

Homeowner’s insurance has a reputation for being complex and confusing if you don’t read the fine print. Insurance policies include legal terms and language that can be hard to digest. Luckily, Saferoad Insurance Service is here to help—we’ve put together a list of some common homeowner’s insurance mistakes and how to avoid them in 2022.

Assuming Floods Are Covered

Don’t assume that your home insurance policy covers damage from flooding. Policies typically cover water damage from something accidental and sudden, such as a pipe bursting, but homeowners usually have to purchase additional coverage for external water issues such as hurricanes, heavy rainfall, or flash floods.

Insuring Your Home for Market Value

Confusing a home’s value with its replacement cost is one of the most common homeowner’s insurance mistakes that people make. Your coverage pays for repairs on the home’s physical structure, but depending on the market, your home’s market value could be lower or higher than this replacement value. We recommend speaking to your insurer to calculate your home’s actual replacement value.

Committing to the Wrong Deductible

You could save money by choosing a higher deductible. However, this increases your responsibility when you file a claim. Before choosing a deductible, do the math on how much you’d save with each deductible option. Saving on a deductible might not be worth it if you don’t have enough money saved to pay for a home emergency. If you go with a high-deductible plan, we recommend taking the savings from that plan and placing them in an account dedicated to home expenses.

Underestimating the Value of Your Belongings

People often time underestimate the value of their personal belongings. When you add up the value of your items, from electronics to appliances to home goods to clothing, you might find you’re sitting on thousands of dollars’ worth of stuff.

Tally how much replacing all your items after a total loss would cost. Create a checklist of your items and store a copy somewhere safe in your home to access it in case of an accident.

If you need affordable home insurance in Anaheim, CA, you’ve come to the right place! Saferoad Insurance Services will protect your home from theft, liabilities, and disaster-related damages, including earthquakes, fires, and floods. Contact us at 877-945-7233 to get your quote today!

Posted 3:12 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019

  • insurance(9)
  • auto insurance(4)
  • long beach(4)
  • coverage(3)
  • california(2)
  • home insurance(2)
  • policy(2)
  • auto(2)
  • car accident(1)
  • liability(1)
  • general(1)
  • credit score(1)
  • life(1)
  • mexico auto insurance(1)
  • general liability insurance(1)
  • renew your policy(1)
  • road trip(1)
  • tax refund(1)
  • commercial(1)
  • claims(1)
  • car(1)
  • safety tips(1)
  • insurance limits(1)
  • business owners(1)
  • boat insurance(1)
  • tax preparation(1)
  • car insurance rates(1)
  • motorcycle(1)
  • expenses(1)
  • liability insurance(1)
  • commercial auto insurance(1)
  • renters insurance(1)

View Mobile Version

Contact Us Today!
877-945-7233

Facebook Twitter LinkedIn Google
Serving All California Residents. Saferoad Insurance
Quick Links
Home
Get A Quote
Customer Service
Payment/Claims
About Us
Our Carriers
Blog
Contact Us
Subscribe
Locations Find Your Nearest Location Here
Anaheim
Long Beach
Los Angeles
Powered by Insurance Website Builder