{"id":129,"date":"2017-01-30T09:00:00","date_gmt":"2017-01-30T09:00:00","guid":{"rendered":"http:\/\/www.martininsuranceteam.com\/blog\/?p=129"},"modified":"2017-01-30T21:45:22","modified_gmt":"2017-01-30T21:45:22","slug":"homeowners-insurance-the-ins-and-outs","status":"publish","type":"post","link":"https:\/\/www.martininsuranceteam.com\/blog\/homeowners-insurance-the-ins-and-outs\/","title":{"rendered":"Homeowner&#8217;s Insurance &#8211; The In&#8217;s and Outs"},"content":{"rendered":"<p>When purchasing homeowners insurance, many homeowners do a quick overview with their insurance agent and call it done. But taking the little bit of extra time it needs to understand the policy and what&#8217;s covered may save you precious&nbsp;dollars down the road. &nbsp;<\/p>\n<p>It is standard for policies to cover damage caused by fire, smoke, storms which include hail, windstorms, and lightning, and theft.<\/p>\n<p><strong>What&#8217;s Included:<\/strong><\/p>\n<ul>\n<li>Personal property coverage which includes electrical devices, clothing, and furniture.<\/li>\n<li>If damage occurs from a storm, homeowners insurance will pay to make the necessary repairs on our home. &nbsp;This also includes detached garages or sheds, fences, and landscaping.<\/li>\n<li>Liability insurance which is needed if someone gets injured on your property.&nbsp;<\/li>\n<\/ul>\n<p><strong>What&#8217;s Not Included:<\/strong><\/p>\n<ul>\n<li>Flooding. &nbsp;If you live in a floodplain, make sure to buy flood insurance as an add-on.<\/li>\n<li>Earthquakes and Sinkholes. &nbsp;Again, only buy this additional insurance this if living in an area that is prone to these natural disasters.<\/li>\n<li>Mold. &nbsp;Mold usually occurs&nbsp;after there has been damage to the home such as flooding or if pipes burst. &nbsp;If calling in a claim to get the damage repaired, address how to prevent the growth of mold with the repairman.<\/li>\n<li>Sewer pipes that burst. &nbsp;If you have a sewer pipe that bursts in your home and causes damage to flooring, furniture and personal belongings will usually not be covered. &nbsp;<\/li>\n<li>Sump pump&nbsp;failure. &nbsp;Just as with sewer pipes, if you have a sump pump that runs through your yard and into your home, the damage is not covered.<\/li>\n<\/ul>\n<p>To find out if you have the right policy for your home, call the Martin Insurance Team at 708-330-4404 or visit our website to learn more information. &nbsp;We&#8217;re conveniently located in Evergreen Park, IL.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When purchasing homeowners insurance, many homeowners do a quick overview with their insurance agent and call it done. But taking the little bit of extra time it needs to understand the policy and what&#8217;s covered may save you precious&nbsp;dollars down the road. &nbsp; It is standard for policies to cover damage caused by fire, smoke, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[36,34],"class_list":["post-129","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-evergreen-park-il","tag-martin-insurance-team"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/posts\/129","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/comments?post=129"}],"version-history":[{"count":1,"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/posts\/129\/revisions"}],"predecessor-version":[{"id":130,"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/posts\/129\/revisions\/130"}],"wp:attachment":[{"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/media?parent=129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/categories?post=129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.martininsuranceteam.com\/blog\/wp-json\/wp\/v2\/tags?post=129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}