The right coverage will protect you, even if you think you have no claim, then it turns into a bigger claim than you expected.
When our client’s hot water heater failed, he did not report the claim because the cost to clean up was less than his deductible. Instead, he cleaned up the mess himself and went on with his life. Four months later, he found mold growing in the basement, a direct result of the water heater incident. We helped him report it to the insurance company and got him a check for over $100,000 to remediate the mold, renovate his basement and live outside the home during the remediation.