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Reasons to Buy Homeowners Insurance for Your Littleton, CO Real Estate


October 5, 2016

Homeowners insurance is very important. It protects against accidents, theft, vandalism and general damage that happens in life. Accidents are often something we think of as our worst nightmare that couldn’t actually happen to us, but having protection against these things is vital since most of them are completely unpredictable. There are several key reasons homeowners should get insurance that covers various disasters, and we’ve compiled several of the most important reasons to have homeowners insurance, as well as their corresponding protections.

Flood Protection
Flooding doesn’t seem like it would be that much of a problem, does it? It is actually more common than you think. Whether it’s flash flooding, burst water pipes, septic tank explosions, pool overflows, or any of those things from a neighbor’s house, you need protection for these kinds of emergencies. Flood damage can ruin your walls, basement, lawn, and more.

Fire Protection
Being insured against fire is extremely important. While it may seem like your Littleton property is not in a fire danger zone, there are plenty of other ways your house could catch fire. There is always the possibility of lightning, electrical shorts, arson, and kitchen accidents. No matter what the cause of the fire was, if you don’t have protection, you could end up out in the cold looking for a new home with no money to fall back on.

Theft Protection

Many insurance companies now allow you to insure expensive items in your home in the event of theft or other disaster damage. Doing this can save you thousands of dollars that you would otherwise be spending replacing all of your valuables. You can insure jewelry, radios, televisions, china, and just about anything else worth a pretty penny - and it is definitely worth it if you do end being burgled or the victim of some other disaster.

Vandalism
The outside of your home can occasionally be an easy target for people who are looking to cause trouble. Whether it’s graffiti, broken windows, or miscellaneous damage to your property overall, being protected against vandalism can minimize your out-of-pocket costs when you’re trying to make repairs.

General Protection
Any one of the protections above can come in lesser degrees than as something that totally ruins your home. You may have a kitchen fire or electrical fire that is under control, or mild to moderate water damage in your home that could be fixed more easily. You may also have renters that do damage to your home, from the walls to the flooring. General coverage will make sure that you don’t have to spend a fortune fixing these problems. Click here to learn more about the different types of coverage available.

Those are the top five reasons to have homeowners insurance on your Littleton Real Estate. Being insured is one of the best decisions you can make after you buy a new home. Even if you’ve been in your home for a while now, if you don’t have coverage, you should definitely get some. It is every bit as important as your car insurance as far as protecting yourself and your assets go. Still looking for a home? Contact us at Colorado Home Sales or 720-220-2059 to get the perfect Colorado home for you.