Before purchasing a home insurance policy, familiarizing yourself with what exactly the policy covers is the most important part of the process. Unfortunately, this is something that some people fail to do, choosing instead to (wrongly) believe that every policy are the same. The results? More problems that they would have liked to deal with.
Here's the thing: Not every Edmonton home insurance policy was created equally. In other words, you simply can't trust every policy that is advertised on the market to provide you with the coverage that you need. Because that's right: The coverage that you need might differ greatly from the coverage that your neighbor needs.
One of the most commonly asked questions related to home insurance policies in Edmonton is this one: Will my policy cover my personal belongings?
By now you should know that there is no "one-size-fits-all" answer to that question. While some policies do and will cover your personal belongings, some policies also won't. And as if that wasn't enough to worry about, the ones that do cover your personal belongings might only cover a select few if certain conditions are met.
What Sharp Insurance recommends that you do is this: First contact your insurance company and try to figure out whether your Edmonton home insurance policy covers personal items. If it does, find out on what conditions this coverage applies and what kind of items are protected under it.
If, after learning those three important facts you realize that some of your most precious possessions are still not covered under your home insurance policy, then we recommend that you purchase additional coverage to make sure that they are. Most insurance companies will be more than happy to sell you additional coverage, so don't be shy and ask away!