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Most homeowners policies cover a lot of things, but the appliances in the home are often excluded. That’s largely because these appliances aren’t a fixed part of the home. In order to determine whether your Washington, DC insurance policy covers the breakdown of an electrical appliance, it’s important to be clear about what your policy really offers. Too many homeowners aren’t sure what their insurance documents actually say, so they don’t really know the coverage provided by the company. By talking to an independent agent like us, you can avoid all of that.
For example, there are different companies with many different types of policies. Independent agents like us work with a lot of these companies, so we can help you find a policy that works for you. You’ll have more choices for coverage and cost, and that’s always a good thing. We can find you insurance that will protect the things that matter most to you, and if you want to have your appliances covered we can look for companies that provide that type of coverage. If it’s not standard in the policies, you may be able to get a rider that will give you that coverage.
Often, adding something else onto a policy does not cost that much in premiums, unless the value of the added items is extremely high. Even top of the line appliances aren’t incredibly expensive when compared to how much your home costs, so the additional premiums wouldn’t be that much. Still, you want the best deal you can get. Come in and talk to us, and let us find you the right company, coverage, and price for your needs.