Home insurance is not mandatory in the states of New Jersey and Pennsylvania. However, in most cases, a mortgage lender will require it, meaning that you will not be able to purchase a home without it. Home insurance is important because it protects the home itself and a homeowner and their property inside the house. If you are a lucky homeowner and currently is shopping for home insurance, Sandra Saunders Agency LLC, serving homeowners from Delran, NJ and other surrounding towns, have prepared a list of things you should know:

• Home insurance does not cover everything. Many homeowners do not know that many things are not covered by standard home insurance. For example, water damage caused by water coming from outside is not covered. Also, all damages that occur due to poor maintenance are not covered because they are considered preventable.
• Most lenders require buyers to carry home insurance. Even though it is not mandatory in New Jersey and Pennsylvania to carry home insurance, most likely, you will not be approved for a mortgage without proper home insurance.
• It is important to have a home inventory list. It is a list of personal belongings and items that you have inside your home. This includes your furniture, electronics, clothing, jewelry, and other personal things. You may need an inventory list during the claims process. For this reason, it is important to have it and keep it updated.

Home insurance is not considered a luxury - it is a necessity that helps protect your home, yourself, your family members, and all your personal belongings. Therefore, if you are a lucky owner living in Delran, NJ, or any other surrounding area, do not hesitate to contact Sandra Saunders Agency LLC. Our experienced and highly qualified agents will do their best to answer your questions and find a policy that will serve you and your family well.