Situations That Can Invalidate Your Home Insurance
From your most prized possessions to your beloved family, your home holds almost everything you value most. That is why purchasing
home insurance in Redlands, CA seems like a pretty good idea. To make sure you're not left uncovered, we've put together a list of things that could result in your
homeowners insurance policy being canceled.
Leaving your home unoccupied.
Whether you go on an extended vacation or split your time up between several properties, if you leave your home vacant, not only are you exposing it to unique risks, but you could also void your home insurance policy if an accident does occur. Vandalism, burst water pipes, and worse can occur, and you may not be around to make repairs and prevent further damage. If you do plan to leave for a few weeks or months, ask a trusted friend or neighbor to check in on the property for you. Most insurance companies specify what to do if you plan to be away so that your policy remains valid.
Using your home for business.
You've struck it out on your own and finally started your own business. You've made the spare room into an office and you're just getting the business off the ground. Without thinking about it, you could have invalidated your home insurance policy. If you have clients or employees coming to the house, own expensive equipment, or keep inventory in your house, be aware you may need additional information if you want your business protected.
Making substantial repairs and renovations.
If you want to make major repairs and renovations to your property, be sure to alert your insurer. This is particularly important if the renovations would increase the value of your home, such as addition, alarm system, wiring/plumbing, a new roof, or installing a pool. Since the value of your property has risen (and potentially your liability risk) if your insurer doesn't know about your new renovations, your coverage may not be applicable.
Keep your home as safe as can be with the right coverage. Secure the right
home insurance in California so that you can rest easy knowing that your property is protected.
Contact the team at Little & Sons Insurance Services to get started.
