Reviewing Your Home Insurance In Light Of Covid-19

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Reviewing Your Home Insurance In Light Of Covid-19
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• With more and more Americans forced to spend an
  inordinate amount of time in their homes than
  would usually be the case, the chances of needing
  to file insurance claims may also increase. Wear
  and tear, especially when incurred over an
  intensified time frame, could lead to property
  damages, not to mention an increased risk of
  bodily harm as more individuals use home delivery
  options. Imagine if someone delivering food or
  supplies to your door, slips on your porch during
  inclement weather and breaks a limb or injures
  themselves in any way. Your liability coverage
  may never have been so important.
• But what if, under the current circumstances,
  someone claims that they caught the potentially
  deadly virus while in your house?

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• Could you be held liable for someone else getting
  infected?
• While this may seem ludicrous, its worth giving
  some thought to the issue, and seeking
  professional advice as to where you stand from a
  legal perspective should someone claim that they
  caught Covid-19 while in your property.
• However, this question may not need to be
  answered by the providers of home and renters
  insurance, since many policies already contain
  virus and pathogen exclusions, which could apply
  to such types of coverage as liability, loss of
  use and physical damage.

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• When all is said and done though, these are
  unique times and unique circumstances that none
  during our lifetime have previously faced, so it
  pays to be cautious and avoid complacency.
  Experts advise homeowners and renters to use this
  time to review their insurance needs and check
  that they have the right levels of coverage for
  their individual needs.
• Use the time to evaluate your coverage
• Check back through your policy - whether youre a
  homeowner or someone who is currently renting a
  property - and if you are unsure as to whether
  you have the correct coverage for your
  circumstances reach out to your service provider.

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• While most, if not all businesses including
  insurance companies, are working from their homes
  instead of their offices, you can still call them
  or chat online to discuss your policy.
• Having an honest discussion with your insurance
  provider could help you be certain that you have
  enough coverage in the event of something
  untoward happening during the current health
  crisis, and to be honest, its never a bad idea
  to review your coverage anyway, so take this
  opportunity to do so for some extra peace of mind.

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• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Auto, business and homeowners
  insurance in Miami. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for homeowners or business or
  auto insurance in Miami FL, contact us for a
  quote or a complimentary review of your insurance
  policies.