Protect Your Slice of Paradise With Home Insurance in Shediac
Shediac, New Brunswick, is a wonderful place to live and a popular place to visit. With amazing destinations such as Parlee Beach and Shediac Island close by, local families can enjoy the beauty of nature all year. During the summer, the water temperature at Parlee Beach can reach an irresistible 24 degrees Celsius, making it popular for family fun. If you own one of the city’s 3,200 houses, you need good home insurance in Shediac to protect your investment.
Why Is Home Insurance Necessary for Families in Shediac?
Even though this coastal town has a quiet atmosphere, it gets plenty of tourism. On average, Shediac receives more than 300,000 visitors every year. Sadly, with popularity comes problems such as property crime. There are more than 300 home break-ins and related crimes every year in Shediac’s residential and rural areas.
Weather problems also pose a significant risk. Partly due to its proximity to Shediac Bay, the area gets significant snowfall during the winter months. The average snowfall in the region is about 300 mm a year. Shediac sees over 130 days with freezing temperatures annually.
Heavy snowfall contributes to moisture risks for homes, such as roof leaks. Icy weather and winter storms can weigh down branches and cause trees to damage your house.
What Are the Benefits of Home Insurance in Shediac?
Home insurance doesn’t prevent problems such as break-ins and storms from happening, but it can help you repair and restore your home afterward. If you’re still paying a mortgage on your home, your lender probably requires you to have some level of home insurance coverage.
Even if you’ve already paid off your home loan, high-quality insurance coverage is important to protect your investment. Good coverage gives you peace of mind and makes your family feel safe.
How Can You Choose the Right Coverage for Home Insurance?
Every family has different circumstances and needs when it comes to home insurance coverage. The better you understand your options, the easier it is to choose. Remember that coverage isn’t an either/or decision; at HUB International, we can create a blend of several insurance options that closely fits your needs.
Dwelling Coverage
This basic coverage helps with repairs to your home’s structure. It can help you repair or replace damaged flooring, roofing, walls, cabinets, and similar items. It also includes attached structures, such as garages and covered patios.
Other Structures Coverage
This is similar to dwelling coverage, but it helps with damage to independent structures. Common examples are detached garages, sheds, outdoor kitchens (not attached), gazebos, and other buildings.
Personal Liability Coverage
As a homeowner, it’s good to have insurance coverage if someone gets injured at your home. Instead of fighting over fault, you can cover medical bills for injured guests.
Personal Property Insurance
This kind of insurance helps to cover the loss of valuable items in your home, such as furniture and personal possessions. It’s important to customize your coverage to the type of property you have, including artwork, family heirlooms, jewelry, and similar high-value items.
Lodging Expenses Coverage
Your insurance plan can even cover your expenses while your house is undergoing repairs. For example, if a fire or break-in caused significant damage, you can stay at a hotel while repair professionals restore your home.
What Things Aren’t Covered by Home Insurance?
The terms of your policy determine what type of damage coverage you have. In Shediac, hurricanes have caused significant flooding, but home insurance doesn’t normally cover flood damage. Vehicle damage — including theft — also requires an independent car insurance policy.