People can sometimes act in ways that are inconsiderate or harmful. Unfortunately, this can include acts of vandalism, such as throwing a brick through a window, spray-painting offensive messages on a front door, or even egging a house on Devil’s Night. Other times, damage may occur unintentionally, like cutting down a tree on your property or accidentally backing over your fence. Regardless of the cause, the financial burden of repairing such damages is often covered by your home insurance policy.

Does Home Insurance Cover Vandalism?

In most cases, vandalism is covered under your home insurance policy through dwelling coverage. This type of coverage pays for repairs to your home’s structures, including attached features like garages. If the damage involves a detached structure, such as a fence or shed, the repairs are typically covered under the coverage for other structures. Personal belongings damaged or stolen during an act of vandalism are also protected under personal property coverage. Be sure to review your policy to understand your coverage limits. Items like jewelry or firearms may have specific sublimits due to their higher risk of theft.

If you operate a business from your home, consider adding a business property endorsement to your policy, as standard home insurance may not cover business-related items. Additionally, if your home is unoccupied for more than 60 days, your coverage may lapse. To ensure protection during extended absences, you can add a vacant home endorsement to your policy.

Contact Affordable Insurance in Mountain Home, AR

If you live in the Mountain Home, AR area and need a reliable home insurance policy, contact Affordable Insurance Inc. Our team is here to assist you with finding the right coverage for your needs.

Experiencing damage to outbuildings on your property due to storms, fire, or vandalism can be distressing. Generally, outbuildings are covered under a standard home insurance policy, except in special cases. At Affordable Insurance Inc. in Mountain Home, AR, we help clients acquire the right home insurance for their individual needs.

Common Types of Outbuildings

Residential properties often feature various types of outbuildings, such as detached garages, gazebos, storage sheds, and pool enclosures. Fences, decks, and driveways are also considered structures covered under insurance. Some individuals construct a barn or greenhouse on their property. Guesthouses are another outbuilding commonly found on properties. These buildings are all covered under standard residential property policies.

What Is Covered By Your Homeowner Policy

Outbuildings are usually covered to a certain limit, generally 10 percent of the policy’s dwelling coverage limit. Hazards such as fire, smoke, lightning, snow or ice damage, theft, vandalism, explosions, and water from burst pipes are covered. If you use the outbuilding for business purposes, you will generally have to acquire a separate policy for the structure’s coverage.

Make Affordable Insurance Inc. Your Choice for Home Insurance Coverage

We can understandably provide in-depth answers if you have questions about coverage for your property’s outbuildings. We offer many types of insurance for our clients, including auto, boat, motorcycle, RV, renters, and business insurance. Contact Affordable Insurance Inc. in Mountain Home, AR today for a no-obligation quote on home insurance that will provide coverage for all your property insurance requirements.

Many individuals own a second home and use the property as their vacation getaway. The location allows you to enjoy a warmer climate in the winter or cooler temperatures during a summer heatwave. However, a major concern is having the right home insurance coverage for your new investment. The team at Affordable Insurance Inc. in Mountain Home, AR, can assist with explaining the best policy options available for your coverage needs.

Do I Need to Insure My Second Home?

All homeowners have home insurance coverage on their primary residence. Unfortunately, this policy does not extend to your second home. The type of insurance coverage needed may be unique to the location and how often you spend time at your second home. Before creating a specialized home insurance policy, you must consider several risk factors, including if the location of your second home is at high risk for flooding. Also, you may want more protection from burglary and theft in your home when it is unoccupied. Create coverage that protects your specific needs.

How to Boost Your Second Home Insurance Coverage

Creating a home insurance policy for your second home can be challenging. Problems occur because it is not your primary residence, so valuable personal items are not housed at the home year-round. Still, you want to boost your coverage by adding personal property insurance that replaces all damaged or stolen items.

Also, consider adding umbrella liability coverage that protects your wealth if someone is injured or an accident occurs at your second home. The additional protection is welcomed if the cost exceeds the coverage provided by your second home insurance policy.

If you are considering purchasing a second home and are unsure of the insurance coverage you need, contact the team at Affordable Insurance Inc. in Mountain Home, AR. They have the knowledge and experience to create a policy that fits your coverage needs. Call and schedule an appointment today.