Homeowners Insurance During a Pandemic

As the COVID-19 outbreak rages across the country, many homeowners are wondering how a pandemic influences their home’s insurance policy. “Stay at home” orders are still in place in California, causing many workers to be furloughed or simply laid off from their jobs. The main concern for homeowners is if their home insurance will be impacted by the pandemic.

Will the virus raise my premiums? As of right now, the jury is still out, but it’s not looking likely at the moment. 

What if I have trouble paying my current premiums? As many people are experiencing various levels of financial hardships, many insurance providers are offering flexible payment plans and extensions during this crisis. 

Will home inspections be affected? Yes, due to social distancing guidelines, home inspections will be impacted to some degree. Home inspections are a crucial final step to acquiring an insurance policy. For now, interior inspections are still occurring, but that may change if the lockdown continues for an extended period of time. If you’re conscious of social distancing guidelines, you can opt to delay your interior home inspection and fulfill only the exterior inspection. 

Insurance companies are responding to the crisis differently. To understand any changes related to your current plan, or to inquire about a new homeowners insurance plan, contact Kelly Williams Insurance for help. 

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Are you ready to save time, aggravation, and money? The team at Kelly Williams Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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