The Second part or the Med-Pay coverage pays to others the amount to cover medical bills incurred from sustaining bodily injury while on your property regardless of fault. Not all policies include Med-Pay benefits for liability arising from business or professional use. It is important to see if your policy excludes the Med-Pay coverage under these circumstances. These structures can include a shed, fence, landscaping, etc. Often called Additional Living Expense, this feature covers the expenses of relocating to temporary residence in the event your home become uninhabitable.
Disasters can happen, and it is always too late to change a policy after a catastrophe.
Read your Homeowners policy thoroughly and discuss all your questions with your agents. Pictures are worth a thousand words, and they just might be worth thousands of dollars to your family. Taking pictures of your property inside and out can assure that all your items are accounted for. It is too easy to forget valuables, or to prove the condition of valuable unless you have a good picture. If you have big expense items such as electronics, jewelry, etc., it is important to keep those receipts in a fireproof safe.