When you purchase a home, you quickly begin to fill it with all sorts of personal items. These could be very valuable items on a material level, such as furniture, televisions, and other electronics. The same can be said for expensive jewelry. It could also be personal items that carry more of sentimental value. When you have these items in your home, you want to be sure they have the same coverage your actual home does in the event there is a loss.

Homeowners insurance will protect items inside of your residence. This is coverage of the contents within your home that is a complementary coverage on top of what you get with your home insurance policy, covering the home itself.

The process of buying home insurance needs to include coverage for personal items inside of your home. When you buy things such as televisions and furniture, save receipts and take pictures. The more evidence you have on the value of the items and what is actually within your home, the easier it will be.

To qualify to recover losses, you need to have a covered accidental loss. Say a tree falls on your home and goes through, harming the home but also breaking contents inside. This would be a valid claim across the board, covering the home as well as the contents inside. If it was a claim that is a result of negligence, you may not be able to cover the losses in the same way.  

Living in Napa, CA, you are exposed to a lot of potential risks all of the time with wind storms, rain, and more. It is important to ensure you have proper protection so that you can feel confident in your home, knowing you will not lose it if the unthinkable should happen. Work with the team at Wine Valley insurance Services to start the process of understanding homeowners’ insurance needs today.