Home insurance covers a great deal and helps to keep your home safe in the event that you have to do major repairs, or your home is destroyed. That being said, it also covers things that you may not think are all that common and that you may not be aware. For those that live in the Oviedo, FL area and want to know more about home insurance, the agents with Karla Salmon Insurance can help.
What does it cover?
Home insurance covers a great deal. Many people, however, are not aware that home insurance also covers guests. This means that people you have invited to your home, either for an extended time or just for a few hours, are included on your home policy. The coverage for guests does have some regulation, however. You cannot merely state that your guest got injured at your home because they were jumping off the roof and expected your home insurance to cover it.
For home insurance to cover guests, if there is an injury, it must be no fault of the guest or the homeowners. If it is proven that the injury was due to negligence, it falls on the homeowner to help pay the bills that are not on the insurance. You can always speak with an agent to find out just what your insurance covers so that you can determine what is and is not going to be covered on your policy should something happen. It is always best to speak with an agent if you have any doubts or concerns.
For those that live in the Oviedo, FL area, the agents with Karla Salmon Insurance can help you determine what policy you need and what is covered on your policy for you and guests.