Though it doesn’t happen all that often, there are times when cars may crash into homes or other buildings and cause severe damage. At dirus & Sons serving Neptune, NJ, we’ve seen it happen more than once. Is there anything that your home insurance policy can do to help you, or are you stuck? Here’s what you need to know about this situation and how you can prepare for it if it ever ends up happening to you.
How Your Home Insurance Helps In This Odd Situation
In a car crash situation, most home insurance policies will cover you, as they consider this a type of “mischief.” That said, you may also find that the auto policy of the person who crashed into you can help with many of these repairs.
But what happens if their policy inevitably caps out, and you’re still stuck with repairs and renovations? At this point, you can likely turn to your home insurance to get help, depending on many factors, such as the limitations on your policy.
Before assuming that your policy covers you, though, it is a good idea to reach out to your agent to learn more. This professional can give you a better understanding of the nature of your policy and guide you through any confusion you may experience.
Protect Your Home Today With Our Help
If you live on a busy road with many cars or have already experienced a crash into your home and need compensation, please talk to us at dirus & Sons right away to learn more. We serve the Neptune, NJ area and can provide you with insurance policies that make sense for your needs. And we can sort through the unique difficulties that this type of situation causes.