If you have a home in Wheat Ridge, CO, you need the right home insurance to protect it. Most homeowners do not understand how home insurance works. It is wise to understand your home insurance to prevent unpleasant surprises. Contact an insurance agency with enough knowledge to explain things. CO Insurance Specialist is a great option. They will help you understand the coverage of your policy. The following are some basic facts about home insurance.

It Does Not Cover Everything

Do not assume that your home insurance covers all damages. A standard policy protects the structures of your home, its contents, and liability. Home insurance covers accidents that are unforeseen and unintentional. If an accident happens due to your negligence, it won’t be covered. Home insurance does not cover natural disasters, but you can purchase special covers that do. If you run a business from home, your home insurance does not cover the business equipment and property.

Your Dog May Affect Your Home Insurance

Insurance providers do not like your dogs as much as you do. Some insurance providers do not insure certain breeds of dogs. The costs of a dog bite can be high. If your dog is large or aggressive, you may have to pay higher premium rates than you expected. You may, however, buy a separate insurance policy for our dogs. Some of the dogs that most insurance providers blacklist include Akita, Cane Corso, and German shepherd.

You Need to Make a Claim Fast

There is usually a deadline for when you can make a claim. In case of damages, make a claim as soon as possible. If you miss the deadline, your insurance provider may not offer you compensation. Most home damages get worse with time.

Contact CO Insurance Specialist for your home insurance needs in Wheat Ridge, CO.