When a child’s bike is stolen from the yard of your home in Bethlehem, Pennsylvania, it is usually covered by a home insurance plan. Most insurance companies will cover the theft of a kid’s property that was inside the home or yard in Northampton County.

Protecting Personal Property

Although each insurer will have a different plan and policy for your house, most companies will provide basic coverage to protect the personal belongings of every family member. Even the belongings of children who live in the house are covered, regardless of the particular item.

As a result, the bike that was parked inside the premises of the house is protected under most policies because it is a personal belonging that a child in the house owned.

Providing Proof

While the company should provide some basic coverage to pay for the theft of property, you may need to provide proof of the property before the company will pay for the replacement cost. Proof can come in the form of a receipt, pictures of the bi-cycle or any other document that shows that the bike was owned by the family.

Send the proof of ownership to the insurer when you make a theft claim. You may also be required to make a formal police report since it is a case of theft.

Protecting personal property from theft is part of the average homeowner’s insurance plan, so you should be covered if a child’s bike is stolen from the yard, your garage or inside the house. If you are not sure about the coverage you have on your house, call the insurer to determine if the property is protected. To learn more about protecting your home, contact us to talk to an independent agent.

When you are planning to renovate your home, it may be necessary to call your insurance provider in Bethlehem, Pennsylvania to ensure that the renovations will not prevent you from having coverage during the time that changes are being made. Northampton County insurers may decide that renovations nullify certain coverage, so it is important to check with your insurer before you make any changes to your house.

Possible Exclusions

Your policy may have exclusions related to renovations due to the possible risk of liability and injuries that occurs when you are making changes to a house. Depending on the project and the situation, you may not be covered for liability or injuries while the house is being changed.

Although exclusions may exist, in some cases the changes will affect the entire policy. If you make additions to your house or any other major changes, it might be necessary to obtain a greater amount of coverage.

Adding to the Policy

After the renovations are complete, it might be necessary to add to your current policy because the insurance provider may determine that the house is worth more due to the changes or that a greater amount of liability protection is necessary.

In many cases, minor changes like updating your kitchen counters will not cause your policy to change. Large changes to the house, such as adding a room or putting in a pool, will usually require a greater amount of coverage and will affect your policy.

The impact of renovations on your home insurance policy will vary based on the situation and project. If you are not sure about the impact, then contact your insurer to learn about the possible changes that may occur. To learn more, contact us to talk to an independent agent.

When you are planning to renovate your home, it may be necessary to call your insurance provider in Bethlehem, Pennsylvania to ensure that the renovations will not prevent you from having coverage during the time that changes are being made. Northampton County insurers may decide that renovations nullify certain coverage, so it is important to check with your insurer before you make any changes to your house.

Possible Exclusions

Your policy may have exclusions related to renovations due to the possible risk of liability and injuries that occurs when you are making changes to a house. Depending on the project and the situation, you may not be covered for liability or injuries while the house is being changed.

Although exclusions may exist, in some cases the changes will affect the entire policy. If you make additions to your house or any other major changes, it might be necessary to obtain a greater amount of coverage.

Adding to the Policy

After the renovations are complete, it might be necessary to add to your current policy because the insurance provider may determine that the house is worth more due to the changes or that a greater amount of liability protection is necessary.

In many cases, minor changes like updating your kitchen counters will not cause your policy to change. Large changes to the house, such as adding a room or putting in a pool, will usually require a greater amount of coverage and will affect your policy.

The impact of renovations on your home insurance policy will vary based on the situation and project. If you are not sure about the impact, then contact your insurer to learn about the possible changes that may occur. To learn more, contact us to talk to an independent agent.