You cannot predict when and how severe a disaster will affect your home, but you can plan for how you will recover. This is exactly why most people insure their homes. If you’re interested in keeping your home in San Jose, CA protected, consider checking out what BayShield Insurance has to offer.
Any Kind of Disaster
You never know when mother nature will rock your home and cause damage, whether to the structure or stuff inside. Home insurance can include coverage up to a certain amount when this happens. Please note that home insurance typically excludes flooding and earthquakes. Speak with our agents about those types of coverage.
An unfortunate disaster doesn’t always come from mother nature, but also people. Your property could become the target for vandalism or theft that could leave you in a financial rut. Depending on the exact terms or coverage limits, it would be wise to have a home insurance policy ready for this.
While your home is yours, there is still a legal liability for when you invite people within. Suppose you are found liable for an injury while on your property, your insurance would pay for the damages up to a certain amount instead of it coming straight from your pocket. Limits can be raised much higher than the default if your property value and lifestyle deems it necessary.
Staying Within Terms of your Mortgage
More likely than not, the terms of your mortgage will obligate you to maintain homeowner’s insurance at the risk of foreclosure. Usually, this will be done at the lender’s end, but if not, you will have to maintain your own policy.
I think you get the gist of why you need home insurance. As shopping around for a policy in San Jose, CA is quite tedious with all the options available, we’d recommended checking out BayShield Insurance to see if we have a plan that fits your lifestyle.