Do you know what’s covered if a catastrophe strikes your home? Knowing what your homeowner’s insurance covers means more than simple repairs around the house. Your home is likely the largest asset you own. Your roof, siding, drain/sewage and more need to be considered when keeping the four walls around you the safest they can be.

Peace of mind comes when you have more than the basics covered by your policy. Personal items can be covered for actual cash value or replacement costs, which could mean a huge difference in payout in the event of a fire, severe weather or mold. It is important to know the cost of rebuilding your home.

It’s better to know you’re insured in the case of damages to your roof rather than being underinsured or not insured at all. Replacement costs could be good only until the shingles are a certain age. Sewer or drain damage might be covered, or it might be covered under an endorsement. Calling a local office to help in any of these cases instead of a 1-800 number provides faster relief and better knowledge of next steps.

Phyllis Nichols
State Farm Insurance

Changing people’s lives daily is what has kept Phyllis Nichols at State Farm Insurance for 36.5 years. There’s more to a home than its four walls, and she knows it’s about “protecting the dreams and memories that have or will occur within those walls.” The business provides many different products to help meet every individual customer’s needs.

“I can help many folks in a week’s time that would not have gotten the help without my company’s support,” Phyllis says. “It is an ever-changing industry, and you have to be willing to stay updated and keep your policyholders informed to protect them properly.”

Learning more for her customers keeps Phyllis and State Farm trends in the insurance landscape and allows them to lead the way for homeowners.

State Farm
573-443-8727
phyllisjnichols.com