When you are shopping for home insurance, you come across a lot of information. However, how do you know how much of it is actually true? There are so many myths and misconceptions about home insurance that you need to know about in order to make the right and informed decision. Versatile Insurance Planners serving San Antonio, TX and other surrounding towns prepared a list of a few myths that are easy to fall for:

Myth 1: A Standard Home Insurance Policy Covers Damages Caused By Flooding

It is one of the most common myths. Unfortunately, the truth is unless you have a separate flood insurance policy, your home insurance does not cover flood damage. If you live in a flood-prone zone, it is recommended to talk to your insurance agent and make sure that your home is fully protected. 

Myth 2: It Is Not Necessary To Keep an Inventory List

Actually, having an inventory list is very important because it is proof of your ownership of certain items in your home. You can use your inventory list when filing a claim for damaged items. Making an inventory list of all the stuff before anything bad happens is a good idea, as it assures that nothing gets lost or missed. 

Myth 3: Home Insurance Covers All Personal Items

Just like any other type of insurance, home insurance has monetary limits. That means that it covers most of the personal stuff and valuables, but not all of them. If you have extremely valuable and expensive items (jewelry or pieces of art for example), it is recommended to get separate coverage for them to make sure that they are properly covered. 

Get Your Home Insured With Us

It may be hard to find the right home insurance policy, especially if there is so much false information and misconceptions. If you live in San Antonio, TX or any other surrounding area and you are currently looking for proper home insurance, Versatile Insurance Planners is a reliable insurance company that is ready to help. All you need to do is to visit our website or call us for more information.