Hurricane Season is upon us and many people are brushing up on their home/mobile home insurance policies and getting their evacuation plan in order. They’ve pulled out the declarations page and in reviewing, find there are 2 or maybe 3 different deductibles listed: AOP, Named Storm and/or Wind/Hail.
We’ll attempt to clarify these for you here….
If you call for a home, mobile home, or flood policy or to add comprehensive and/or collision insurance to your auto policy and are told no because the company is under binding restrictions, it may confuse or even irritate you.
What in the world are binding restrictions and why do insurance companies implement them?
We’ve shared with you the importance of understanding your home owner insurance policy as well as different types of deductions you may be entitled to under said policy. We’ve also given some advice on travelling smart, fire safety tips and vacation preparedness to help protect your home, especially when you’re away.
Today let’s talk about the importance of insuring a vacant home.
First though, we’ll look at some instances when you may have a vacant home to insure…..
Back in April we talked about discounts available on most Home Owner policies. One discount we didn’t mention is IBHS Fortified.
Not all companies offer this discount and frankly not many people know what exactly IBHS Fortified ™ means!
So I thought it would be a good topic to explore and explain.
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