Home Insurance in Kentville For Peace of Mind
As the most populous town in the Annapolis Valley, Kentville is the heart of the Valley. About 6,600 residents call Kentville home because of its charm and traditions. Although Canadian homeowners aren't required by law to have home insurance, it's a good thing to have in case your property is damaged by weather or fire. Home insurance brokers in Kentville, NS, can help you compare policies to ensure your policy fits your insurance needs so you're covered for the risks your home faces.
Kentville Economy and Home Values
Kentville calls itself a special place to set down roots. The community is known for the annual spring Apple Blossom Festival and has its roots in agriculture, but many prominent industries now support the community. It has a thriving economy with a median home value of around $490K. As your home is one of your most important assets, you'll want to have home insurance to protect your future. Your home insurance also protects the contents of your home in case of theft or damage. Kentville's crime rate is a little higher than the national average, making home insurance more important to cover your belongings that could be stolen. You don't want to have to use your home insurance, but if you do need it, you want to have it.
Climate Risks To Your Kentville Home
Kentville sits in the Annapolis Valley, surrounded by mountains and water. Winters can be harsh. Snow is predicted from November to May. The town is estimated to get over 166 days of precipitation each year, including rain and snow. These weather conditions can damage your home. For instance, strong winds can tear shingles off the home and cold temperatures in winter can cause pipes to freeze. Home insurance is your safeguard against a financial hit from the elements. Kentville is also seeing warmer temperatures in the summer. High temperatures and saltwater can cause shingles to deteriorate faster than they should. Replacing a roof is expensive, but home insurance can help protect your finances.
What Does a Home Insurance Policy Cover?
Home insurance covers unpredicted events and accidents, such as theft, fire, storm damage and injuries to another person on your property. You should know what is and isn't covered by your insurance policy. Most home insurance policies do not cover flooding or earthquake damage, but you can purchase additional insurance coverage if you are concerned about those events. Your home insurance may also cover temporary housing if you are unable to live in your home after storm damage or another covered event. You should assess your risks to understand what your insurance policy covers and what it doesn't.
How Home Insurance Brokers in Kentville, NS, Help You Find a Great Policy
Home insurance costs vary by insurer and policy. It's important to compare costs and services to know that your home is covered for different risks. Using a home insurance broker that offers different policies from many different underwriters can help you find the most comprehensive policy while staying within your budget. Many lending companies require home insurance as part of your mortgage, but even if your home is paid off, you should still consider having homeowner's insurance for your peace of mind.