It’s hail season in Minnesota right now! While you may be concerned with what that means for your car or roof, have you considered cosmetic damage? Below, I will explain what Marring and Cosmetic Damage Coverage is and what it covers. Spoiler alert! It takes care of cosmetic damage to your home.
If you take a look at your home policy, you might not have Marring and Cosmetic Damage Coverage. Whatever the initial reason, it is never too late (or a bad idea) to add this affordable and extensive coverage to your home policy. Marring and Cosmetic Damage Coverage covers a multitude of damages. An easy definition of this coverage:
Marring of Materials: covers cosmetic damage done to metal features of your home from windstorms or hail storms
Although home coverage takes care of damage which affects functionality (example: broken windows), the addition of Marring and Cosmetic Damage Coverage ensures your home will continue to look as good as new! Consider your home’s gutters; if they get dented from a hail storm, they may not be covered. If you don’t enjoy the “hailed-on home” aesthetic, this coverage is right for you!
Marring of Metal Materials doesn’t just cover gutters; it also takes care of:
- Downspouts
- Vents
- Doors
- Garage doors
- Other metal features on your home
The best part about this coverage? It is very affordable! Depending on the size and age of your home, the cost for this coverage could be as low as $150 a year! Hail storms are notorious and unavoidable; this low-cost coverage will help keep your home in pristine condition. If you are interested in Marring and Cosmetic Damage Coverage, call me at (612)-440-1306 or email me at info@agentminsurance.com and get a quote that fits your needs and budget!
