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What’s Not Covered by Your Home Insurance?

Posted on by AgentInsure

If you are a homeowner, your home represents your hopes and dreams. Most homeowners take steps to protect their future by purchasing home insurance. If your home is near Rochester, MN, our team at Safechoice Insurance Agency can help you understand your home insurance options. We’ve been assisting homeowners in your area since 2004.

What Isn’t Covered by Home Insurance?

While home insurance provides coverage for many types of damage, there are certain exclusions you should be aware of. According to the Minnesota Department of Commerce, most home insurance policies do not include flood insurance. If your home is in a flood-prone area, your insurance agency can help you find separate flood insurance coverage. Additionally, ask your agent about other items not typically covered, such as sump pumps.

Structures like swimming pools, detached sheds, or garages are often excluded from standard home insurance policies. High-value items, such as antiques, jewelry, or musical instruments, may require a separate policy or additional coverage. Furthermore, items used for a home business are not covered under a typical home insurance policy. If you work from home, you’ll need a commercial insurance policy to protect business-related items.

Contact Safechoice Insurance Agency Today

Disasters can strike unexpectedly, but home insurance can provide vital support in the aftermath. At Safechoice Insurance Agency, we are committed to offering excellent coverage at competitive prices. Homeowners in the Rochester, MN area have trusted us for over 22 years to protect their homes and investments. Call us today to schedule an appointment and learn how we can help safeguard your home.

Home Insurance Covers Your Visitors if They Get Injured on Your Property

Posted on by AgentInsure

A visitor to your home may get injured through no fault of their own. Hazards are everywhere, and people don’t always see them. While you never intended for your guest to get hurt, home insurance is designed to cover their medical care. At Safechoice Insurance Agency in Rochester, MN, we’re here to help you protect your visitors by finding the best home insurance policy for your needs. Here’s how it works.

How Personal Liability Coverage Helps You and Your Guests

A home insurance policy includes a section known as personal liability. This section covers the healthcare costs of a guest who is injured while at your home. It outlines the situations that are covered and the upper limits for medical bills. Your guest’s medical expenses are paid up to the maximum amounts specified in your policy.

Protecting You Against a Lawsuit

After a personal injury, you may be at risk of being sued by the injured guest. Your insurance provides legal assistance and handles the lawsuit on your behalf. The insurer takes responsibility for resolving the suit and settling with the plaintiff, so you don’t have to find a lawyer or pay for their services.

Learn More About How to Protect Your Guests From Injury

At Safechoice Insurance Agency in Rochester, MN, we want you to feel secure when you have guests over. We’re here to sit down with you and explain how your home insurance policy covers visitors who are injured by a hazard in or around your home. Contact us today to schedule an appointment and learn more about this type of coverage.