Category: Home Insurance

Floods can cause a lot of surprising damage issues, such as animals invading a home unexpectedly. At The Merhar Agency LLC serving Willoughby, OH, we’ve run into many of these coverage issues. And we’re here to help you understand your options here.

Understanding What Your Policy Will Cover 

When you have a flood insurance policy, your home will be protected against severe natural floods and the damages that it causes. For example, it will help to safeguard things like your electrical system, your plumbing elements, all furnaces and water heaters, appliances in your home, permanently installed carpeting, window blinds, your foundation, a detached garage, and most of your belongings. 

But what happens when animals get into your home during a flood and cause damage? For example, if a flood causes your door to burst open and frightened animals like rabbits, deer, or other creatures get into your home, they may cause a lot of damage trying to get out. Are you covered for the damage that they may cause? Or are you going to be stuck with an expensive repair bill? 

Here is where things get tricky with your flood insurance policy. Some options may cover animal damage, depending on whether it is related to the flood. That’s because they may cover ALL issues caused during a flood, including problems with animals. However, that isn’t always the case, and some policies may have limitations. It is essential to talk to your agent to learn more about this factor. 

Reach Out to Us Today 

Are you worried about the potential damage animals may do to your home during a flood? Then, reach out to us at The Merhar Agency LLC to learn more. We serve the Willoughby, OH, area and can help you understand your rights in this situation.

When it comes to home insurance, it is vital to understand exactly how the coverage can protect the policyholder. This means knowing exactly what is and isn’t covered, so there aren’t any gaps in coverage. Before selecting a policy, make sure to inquire about contents and have the insurance agent explain if additional coverage is advised.

Garage Contents

When it comes to garage contents or outbuildings, most insurance policies will include coverage as an extension of the home. This can include coverage for appliances, yard equipment, and more. Before beginning the home insurance selection process, make sure you’re working with a licensed insurance agent who can explain the terms and conditions of each policy, then recommend appropriate policy options to give homeowners peace of mind. 

Working With An Agency

Insurance agencies like The Merhar Agency LLC, serving Willoughby, OH, can work closely with clients to help them get the coverage they need for their home and garage. In addition, they can also help file claims if the need arises. It’s their commitment to high-level customer service that provides the client with the best insurance policy options and helps prevent unforeseen gaps and losses due to inadequate coverage. Please consult with one of their agents today to get started protecting the things that are valuable to you.

Anyone currently interested in obtaining high-quality home insurance coverage should call or stop by The Merhar Agency LLC. An agent is waiting to speak with you about getting ideal home insurance coverage that fits your lifestyle. The Merhar Agency LLC is eager to work with the residents of Willoughby, OH to help them get the insurance protection that they can rely on for years to come.