As a homeowner, you have a number of responsibilities that you have to take care of. One of the things that you need to make sure you have in place is homeowners' insurance. By having this insurance in place, you can protect your investment and keep more of your money in your pocket. However, not all insurance policies are the same. Because of this, you need to ask a few questions of insurance companies like Hamlin Robert & Ridgeway Limited to make sure you are on the same page and getting the coverage you need.

Is rodent or pest infestation included in the policy?

While you might not expect to have to deal with bats, chipmunks, mice, raccoons or squirrels invading your space, it can happen. When these pests come inside your home, they can tear up insulation, chew on wires and leave their droppings behind everywhere. Not only does this cost a lot of money in repairs, but it also poses a major health risk. The animals' fecal matter is something that needs to be taken care of right away. By having this coverage on your insurance policy, pest control services and eradication will all be covered. The only thing you have to pay is your deductible.

What happens if someone is injured on your property?

You might not plan on someone being injured on your property, but it could happen. Someone could slip and fall walking to your front door. You need to make sure you have ample coverage on your insurance policy to cover their medical bills and make sure you don't have to pay for everything out of your own pocket. Ask about what coverage you have per incident and per person. You need to know both amounts to give you a better understanding about how much coverage you have in place.

Is there mold coverage on the policy?

Make sure you have coverage on your policy for mold damage. If a pipe bursts, it could end up causing major mold damage to your walls and anywhere else the water came in contact with. Mold remediation is serious business and shouldn't be taken lightly. It takes a special company to come in and remove the mold from your home and restore the air quality. Having this added coverage on your policy can save your home, your health and your pocketbook.

By asking the questions above, you can save yourself a lot of time and hassles along the way.