When Can I Use Insurance For Home Repairs?

Brad Corriher of Brad Corriher State Farm

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Q: When can I use insurance for home repairs?

A: With homeowners insurance, you’re protecting your home from the unexpected. The coverage is for your home, the personal property within the home and structures. Your coverage typically includes personal liability, medical payments and additional living expenses should a loss occur that renders your home uninhabitable.

When you experience a loss that’s covered under your policy, those repairs would be paid by your insurance coverage. Insurance would typically cover the following damage:

  • Fire or smoke
  • Windstorm
  • Hail
  • Snow or ice
  • Explosion
  • Freezing of plumbing
  • Vandalism

Home warranty plans typically cover repairs to appliances and systems during typical use. A home warranty may cover:

  • Appliances
  • Electrical systems
  • Plumbing
  • Air conditioning
  • Furnaces

While in your residence, upkeep is needed for daily living. Some homes may need more than others throughout the year.

The following are examples of home maintenance:

  • Replacing doorknobs
  • Repainting walls
  • Changing the carpet
  • Cleaning gutters
  • Cleaning the dryer vent
  • Caulking windows
  • Staining decks
  • Sweeping the chimney
  • Maintaining the garage door
  • Cleaning the septic tank

As large appliances and home systems get older or wear out, it’s not unusual to replace them. These items may include:

  • Refrigerator
  • Dishwasher
  • Stove/Cooktop/Oven
  • Air conditioner
  • Furnace
  • Water heater

Keep in mind that worn out or obsolete appliances are not covered by insurance.

Have further questions? I’d love to answer them! Feel free to call or text my office at (704) 526-0887 or visit us in person at 9539 Idlewild Road or online at MyMintHillAgent.com.

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