The Millstone Times September 2018

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“We Treat Your Home Like Our Own”

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INTERIOR/EXTERIOR CUSTOM TRIM WORK: Crown Moldings Chair Rails Shadow Boxes POWERWASHING: Houses • Fences• Decks I T I T I T T I : ro n oldings hair ails hado oxes I : ouses Fences ecks

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Dwelling Fire Insurance By, Lauren Kolacki When purchasing a home there are millions of factors that bounce around in your head. Mortgage, decor, yard work, neighborhood, school system, property tax, insurance, etc. Some more important than others, however, all still considerable aspects. The amount of stress you experience can lead to abrupt choices just to check them off the list. When it comes to making decisions regarding your insurance, it is important that you are taking the time to become well informed on your policy, as empty-headed decisions can lead to sizable dilemmas down the line. Unlike owning a car, when you own a home, property insurance is not required. However, many mortgage companies require it in the case of unforeseen circumstances. When dealing with an insurance company be sure to know every division of your policy. Homeowners insurance pro- vides you with financial protection in the event of a disaster or accident in- volving your home and your belongings in the event of a destructive event. Dwelling fire insurance is the part of your homeowner’s policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard. Unlike a typical home insurance pol- icy, which covers everything except for listed exclusions, a dwelling fire policy will only cover named perils. The named perils usually include fire, hail, lightning, windstorm, theft, vandalism, etc. nce By, Lauren Kolacki hen purchasing a ho e there are millions of factors that bounce around in your head. ortgage, decor, yard work, neighborhood, school system, property tax, insurance, etc. So e ore i portant than others, however, all still considerable aspects. e a ount of stress you experience can lead to abrupt choices just to check the off the list. When it comes to making decisions regarding your insurance, it is important that you are taking the time to become well informed on your policy, as e pty-headed decisions can lead to sizable dile as do n the line. nlike o ning a car, hen you o n a ho e, property insurance is not required. However, many mortgage companies require it in the case of unforeseen circu stances. hen dealing ith an insurance co pany be sure to kno every division of your policy. o eo ners insurance pro- vides you with financial protection in the event of a disaster or accident in- volving your ho e and your belongings in the event of a destructive event. elling fire insurance is the part of your homeo ner’s policy that helps pay for the rebuilding or the repair of the physical structure of your ho e if it's damaged by a covered hazard. nlike a typical ho e insurance pol- icy, hich covers everything except for listed exclusions, a d elling fire policy will only cover na ed perils. e na ed perils usually include fire, hail, lightning, indstor , the , vandalis , etc. lli Fi e I By, Lauren Kolacki When purchasing a home there are illions of factors that bounce around in your head. Mortgage, decor, yard ork, neighborhood, school syste , property tax, insurance, etc. Some more important than others, ho ever, all still considerable aspects. The amount of stress you experience can lead to abrupt choices just to check them off the list. hen it co es to aking decisions regarding your insurance, it is important that you are taking the time to become well informed on your policy, as empty-headed decisions can lead to sizable dilemmas down the line. Unlike owning a car, when you own a home, property insurance is not required. However, many mortgage companies require it in the case of unforeseen circumstances. When dealing with an insurance company be sure to know every division of your policy. Homeowners insurance provides you with financial protection in the event of a disaster or accident involving your home and your belongings in the event of a destructive event. Dwelling fire insurance is the part of your ho eowner’s policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard. Unlike a typical home insurance policy, which covers everything except for listed exclusions, a dwelling fire policy will only cover named perils. The named perils usually include fire, hail, lightning, windstorm, theft, vandalism, etc.

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