Page 36 - HBIA POH19
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WILL YOU HAVE THE RIGHT HOME INSURANCE WHEN YOU NEED IT?
By Kyle Brown, of Kyle Brown State Farm
You wake up at 3 a.m. after putting a hard week in
at work and not feeling well. Your room doesn’t look right and there’s a very di erent smell. As you come
to, you start to cough and choke on the air. It’s like breathing a camp re, but smells way worse. You look for the night light in the hallway, but it’s not there, or
is it, you can’t quite tell. As you get out of bed, you’re
hit with lightheadedness, burning eyes, and you can’t breathe. Priorities start kicking in and survival instincts hit maximum. You wake your wife up and get her moving, telling her the basics and to get out of the house. Your wife stays low and crawls for the stairs while you head down the hall. You get your three kids up, crawling towards your wife and have your whole family accounted for. They head for the front door downstairs and you notice the living room and kitchen fully engulfed in  ames. The dog is barking at the front door and you urge everyone outside. The neighbor comes
to help and says he called 9-1-1. As you stand outside, waiting, you notice  ames now lighting up the second  oor windows where you were just asleep less than
two minutes ago. You check the family and everyone is safe and sound. You’re standing in your pajamas in the neighbor’s front lawn, with nothing, but everyone is OK and alive. You have way more than nothing, you have everything... everything that’s most important in life.
The most important thing in a home is the family living in it. Maybe the second most important thing in a home is a smoke detector and carbon monoxide detector, because it protects what’s most important. Rarely does a smoke detector protect the home, it protects those living in it. The third most important thing in a home is the homeowner’s policy stuck in a drawer somewhere collecting dust. When needed, it will be the single greatest asset you ever had and it will do exactly what you want it to do; that is if you take the time to make sure it’s what you want. Alright some critical areas...
a homeowner’s policy covers two types of risk in one convenient package.
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