At Insurance & Financial Services Inc., we recommend that homeowners put adequate research into choosing the right home insurance policy for their needs. Homeowners need to know what features a good home insurance policy should have for both convenience and financial security.

The following are three important home insurance policy features that homeowners in Baton Rouge, LA might want to have on their policies:

Coverage for temporary living expenses

If your home becomes severely damaged as the result of a natural disaster, burglary, or another damaging event, you might not be able to live in it while it is repaired. However, you can get the costs of temporary living expenses for such situations covered if you add coverage for temporary living expenses to your policy. 

Automatic payments

A home insurance payment is a payment you need to make regularly for an extended period of time. If you forget to make a payment, your policy could potentially lapse so that damages to your home won’t be covered. This could lead to huge financial consequences.

However, many policies will offer an automatic payment feature. With such a feature, payments on your policy are automatically charged to your bank account so that you don’t have to remember them every month.

Coverage for damage to outbuildings

You can’t assume that standard home insurance will cover damage to outbuildings on your property. If your property includes outbuildings, you’re probably going to have to add on coverage to damage to these structures separately. 

Find the right policy for your home in Baton Rouge, LA by contacting us at Insurance & Financial Services Inc. and learning more about our insurance offerings.