Homeowner’s Insurance 101: Are You Actually Covered?

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Hey, friends! In this quick but super important episode, I’m diving into homeowner’s insurance—because if you’re renovating or dealing with home repairs, this is something you need to have on your radar. I’ve had my fair share of experiences with insurance claims during reconstruction projects, but after chatting with a homeowner’s insurance expert, I realized there’s even more to it than I thought! Do you know if your insurance actually covers the full cost of repairs? Are you updating your policy when you renovate? What about those sneaky coverage gaps, like only paying for one coat of paint? These are things that can make or break your budget when disaster strikes.

I’ll walk you through why it’s crucial to double-check your policy, make sure your coverage matches your home’s current value, and call your insurance provider before starting any renovations (seriously—some policies won’t cover accidents during a reno if they weren’t notified!). Plus, I’m sharing real-life lessons I’ve learned from homeowners who got stuck with unexpected costs. This is my non-expert but very real advice to help you avoid major headaches down the road. Tune in now, and let’s make sure your home—and your wallet—are protected!