Don't hesitate to call your agent when these things happen to your home.

Just because you have homeowners insurance does not mean that you want to access your coverage.  However, there are certain situations that you cannot afford to handle without the right coverage on your side.  If these situations arise, then make sure you get into contact with your home insurance agent immediately.

• Someone Injures Themselves on Your Property

While you don't need to call your insurance provider for every stubbed toe and paper cut that takes place in your home, you should get in touch with your agent if a guest sustains a more serious injury.  This is because your homeowners insurance offers coverage for medical expenses.  By calling your insurer, you can access this coverage, ensure that your guest gets the immediate medical attention that they need, and make your claims process proceed more smoothly.

• You've Become the Victim of Robbery or Vandalism

If your home has been broken into or vandalized, then the first call that you should make is to the police.  After you've reported the incident and the police are on the way, you should call your home insurer.  The property portion of your coverage will help you address any damages to your home, and your personal property coverage will help you replace the belongings that were stolen during the incident. These are two of the serious situations in which you should contact your home insurer as soon as possible.  Do you have additional questions about when you should access your homeowners insurance coverage?  If so, then contact the experts at Weeks & Associates Insurance Services in Thousand Oaks, California.  We are ready to assist you with all your coverage needs today.