Senn Insurance Agency provides coverage to O’Fallon, MO residents. We proudly serve the community as an independent agency. We use our relationships with multiple carriers to help our clients find the right policy for their situation.
Why Alternative Living Coverage Is An Asset
Owning a home is a significant investment. It’s important that you protect it. Home insurance allows you to have peace of mind if a disaster occurs. You are covered if someone vandalizes your property or attempts to steal some of your personal belongings. Your property is covered if there is an accidental fire or severe weather causes damage to your home. Liability coverage protects you if someone gets injured while they are visiting your home.
One important feature of your home insurance policy is alternative living coverage. Imagine dangerous weather comes through the O’Fallon, MO area and causes significant damage to your home. As a result, your home is now uninhabitable. Uninhabitable means that your home’s structure is significantly damaged to the point where you cannot do essential things such as using the bathroom. You should be covered if your home has to be repaired or rebuilt. However, where are you supposed to stay in the meantime?
That’s where alternative living coverage kicks in. Alternative living coverage allows you to find another place to stay until your home is fixed. Obviously, leaving your home for any amount of time requires a significant adjustment period. However, some of your stress should lessen in knowing that you will have another place to stay. You can amend the policy to outline that you want to find an alternative living situation similar to your current one. You also have the option to outline that you would like to stay in a hotel until your home is repaired.
Senn Insurance Agency Will Help You Find The Right Policy
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