Sometimes disasters strike without warning. But even when they don’t, life can be challenging after a predicted disaster. You may have to stay away until the storm passes. Or you may have to leave your home in Scotia, NY, altogether because it has been damaged or destroyed. All of these sudden costs can be hard to deal with.

How will you survive financially? DePaulo Agency believes a home insurance policy is the best preparation you can make.

Repairing or Rebuilding Your Home

A standard homeowners insurance package will usually cover the cost of fixing or replacing your home. The insurance company will work with you to determine the extent of the damage and then pay for the repairs or replacement.

Your personal belongings will also be covered up to the limits of your policy. Certain items require special coverage, such as jewelry, antiques, and collectibles. However, home insurance is an excellent way to protect your financial assets following a disaster.

It’s important to note that this coverage is only for the perils listed in your policy. Certain disasters, such as earthquakes, floods, and hurricanes, might not be covered. These events often require a separate policy.

When You Have To Stay Away From Home

Sometimes the damage is so severe that you can’t live in your home immediately. This is where Living Expenses coverage comes in. Living Expenses coverage will pay for your extra living expenses while away from your home. It does not cover the regular living expenses you would already have in your day-to-day life. This coverage is usually only available for a limited set of fees, like hotel or restaurant bills.

Don’t let a disaster ruin your life. If you live in the Scotia, NY area, contact DePaulo Agency today to learn more about your home insurance options.