Do you know the best way to insure your valuable belongings? There are some key things you’ll need to keep in mind and do to get ready for putting together an insurance policy. Expert agents at RH Worthington Group of the greater Milford, PA area will be able to discuss your needs and help you get the right amount and type of coverage. 

Notice What Your Homeowners Policy Doesn’t Cover

It’s important to note that home insurance may have some coverage for your personal items on your property, but it will likely leave a lot to be desired. You may have a serious coverage gap when certain items’ value is higher than the limit on your policy. 

Ask About a Separate Policy

That’s why it’s a good idea to have a separate policy for scheduled personal property. You’ll get higher limits and should have coverage for different risks that aren’t in your standard policy. You can have it set for particular items and their appraised value amounts. Examples of these items include jewelry, antiques, musical instruments, collectibles, and fine art. 

Take an Inventory

Go around your home and inventory the items for which you’d like to have insurance coverage. You might photograph them and bring in receipts when you visit the insurance agent. 

Repeat the Process 

It would be best if you took an inventory at least once a year, keeping your insurance agent informed of new personal items you’d like added to the policy. This way, you’ll avoid stress later on when you realize you cannot get the funds to replace some things that have become damaged or stolen. 

RH Worthington Group has your best interests in mind. Serving the residents of Milford, PA, we’re proud to offer protection against loss and damage in your home.

Home insurance is a necessity in Milford, PA. It’s a way to protect your investment and your future. Are you buying a new home or looking to upgrade an existing homeowner’s insurance policy? If so, read on to learn the reasons why you need home insurance in Milford, PA, brought to you by RH Worthington Group. 

1. It’s Required

If you take out a mortgage on your home, the bank will require home insurance before giving you a loan. Your house is considered an asset by both you and the bank, and the bank wants to protect its collateral with a home insurance policy. 

2. Protection from Fire and Theft

If something were to happen to your home, like fire or theft, you’d want to be covered financially. If you own your home outright and decide not to get insurance, you would have to pay for everything out of your own pocket. A fire or theft can leave you with a lot of damage to clean up, with the cost going entirely to you. Avoid this with a home insurance policy.

3. Protect Your Asset

Your home is probably the most expensive asset you will ever purchase. Doesn’t it make sense, then, to insure this asset? With a homeowner’s insurance policy, you can be guaranteed peace of mind knowing that whatever may happen, you’re covered. If you have the maximum home insurance policy but are still looking for more coverage, just in case, you can choose to opt for umbrella insurance.

To learn more about homeowner’s insurance, contact the friendly team at RH Worthington Group. Our reputable agents are standing by to take your call and answer all your questions and concerns about home insurance. 

If you are buying a house, home insurance is a must. It does not only protect you and your home, but it is also a requirement of most mortgage lenders, which means that you cannot get a loan without home insurance. Choosing proper coverage for your home is a challenging task, especially if you have never done it before. In order to help you to make the right choice, RH Worthington Group serving Milford, PA has prepared a list of things you need to consider when shopping for home insurance: 

Specifics

The basic components of home insurance are contents, building, and liability. However, you also need to know the specifics of the particular policy. There are certain inclusions that you may want to add to your policy, but you should be aware of higher premiums. The most common and needed inclusions are damage from natural disasters, earthquakes, mold, flooding, and some others. Some of these specifics do not cost much but may be helpful. 

Deductibles

A deductible is a certain amount of money specified in the policy that you will have to pay out of pocket first, before your insurance kicks in. Deductibles are usually negotiable and can vary greatly. The higher your deductibles are, the less you have to pay for your home insurance. If you do not want to spend a lot out of pocket in case something happens, then the lower deductible with a higher premium might be an excellent option to consider. 

All The Details of The Policy

Make sure you understand well all the terms and conditions of your particular policy. Do not sign any agreement until you read everything carefully. If you have any questions, do not hesitate to talk to your insurance agent, who will provide you with all the information you need. 

If you are a resident of Milford, PA, or any other neighboring town and you are shopping for home insurance, here is the company that you can trust – RH Worthington Group. Our experienced and highly qualified insurance specialists are ready to help you to find the best coverage and answer all the questions you may have. Give us a call today to discuss the options available and get protection for your dwelling.