{"id":84,"date":"2022-05-31T04:00:00","date_gmt":"2022-05-31T10:00:00","guid":{"rendered":"https:\/\/www.fianm.com\/blog\/?p=84"},"modified":"2022-06-01T14:16:32","modified_gmt":"2022-06-01T20:16:32","slug":"what-home-insurance-covers-and-what-it-doesnt","status":"publish","type":"post","link":"https:\/\/www.fianm.com\/blog\/what-home-insurance-covers-and-what-it-doesnt\/","title":{"rendered":"What home insurance covers and what it doesn&#8217;t"},"content":{"rendered":"<p>Home insurance helps homeowners keep their sanity and their peace of mind. It helps make the risks associated with homeownership more palatable. It makes you feel safe. At&nbsp;Franklin Insurance Agency in Rio Rancho, NM, we place our customer&#8217;s needs first. As independent agents, we are in the best position to provide the broadest range of options and the most reasonable rates.&nbsp;<\/p>\n<p>Traditional home insurance provides four basic types of protection. It covers the physical structure of your home from a variety of hazards, it covers the content, and it gives you liability protection and loss of use. All significant types of insurance.&nbsp;<\/p>\n<ul>\n<li><strong>Property coverage<\/strong> is the insurance that protects you from tornados and fires etc., that can damage or destroy your home. It covers the house, major systems,&nbsp;attached structures like porches, decks, and detached structures like garages,&nbsp;casitas, patios, and sheds.&nbsp;<\/li>\n<li><strong>Content coverage <\/strong>protects your personal property both at home and when traveling away from home with you.&nbsp;<\/li>\n<li><strong>Liability protection<\/strong> is the amount you need to think about the most. It should be determined by your net worth and the&nbsp;level of risk you have.&nbsp;<\/li>\n<li><strong>Loss of use<\/strong> will come in very handy if your home is damaged or destroyed and you can&#8217;t stay at home. It will pay for your hotel and a rental house if it is longer.&nbsp;<\/li>\n<\/ul>\n<p>Home insurance doesn&#8217;t cover floods, land movement, expensive art and antiques, owner neglect (wear and tear), and sewer backup.&nbsp;Land movement includes earthquakes, sinkholes, landslides, and mudslides. Expensive art and antiques should be covered with a rider added to the&nbsp;policy. Maintaining your home is what the insurance company expects.&nbsp;&nbsp;<\/p>\n<p>Contact Franklin Insurance Agency in Rio Rancho, NM, with your questions and home insurance needs.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance helps homeowners keep their sanity and their peace of mind. It helps make the risks associated with homeownership more palatable. It makes you feel safe. At&nbsp;Franklin Insurance Agency in Rio Rancho, NM, we place our customer&#8217;s needs first. As independent agents, we are in the best position to provide the broadest range of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[11,9],"class_list":["post-84","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-franklin-insurance-agency","tag-rio-rancho-nm"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts\/84","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/comments?post=84"}],"version-history":[{"count":1,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts\/84\/revisions"}],"predecessor-version":[{"id":85,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts\/84\/revisions\/85"}],"wp:attachment":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/media?parent=84"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/categories?post=84"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/tags?post=84"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}