Home Insurance is REQUIRED if you have or are planning on a home mortgage. The question is, how much home insurance (coverage) do you want? Although there are basic coverages as sort of what one looks for in liability insurance for an automobile, home insurance works on “basic coverages”. Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Every package protects against a specified number of events that can cause damage to your property. Theft, fire and smoke would be examples of this.
SHOPPING FOR A HOME? Now's the time to get some ideas on what that new home's insurance might be. Our agency frequently helps current and new customers on their home buying quest with answers. All complementary.
BEST DISCOUNTS FOR HOME INSURANCE
To get the best prices for the home coverages, we suggest the consideration of a bundle package from a national insurance carrier, like AllstateⒸ. By including, let’s say your auto insurance, along with your home insurance, gives you the same convenience that you have with one cable provider. One bill, larger savings on your products and national brand coverage, in case you have to make a claim. Ask us what the best price is with which bundling plan.
QUESTIONS ABOUT HOME INSURANCE FOR YOUR AGENT
Comparing home insurance rates requires the “apples to apples” analogy. One really cannot get an accurate quote unless you do this. When purchasing home insurance, look at the basics:
- 1. Decide how much coverage you need
- 2. Compare Deductibles
- 3. Ask about discounts.
- 4. Replacement Cost vs Actual Value
We recommend reviewing your home-owner’s insurance policy every year. Do it when you review your auto insurance. Done…and DONE!
ESCROW YOUR HOMEOWNER’S INSURANCE WITH YOUR MORTGAGE PAYMENTS
If you still have a loan on your home, this is the best and most convenient way to make sure you pay your insurance. Lenders also prefer this option since it’s their investment, as well
Call (331) 223-9788
DO NOT UNDER-INSURE YOUR HOME
We cannot stress this enough. A hundred bucks more a year can significantly increase your coverage. Consider the price to REPLACE your home or its contents. A very small investment on a large investment. Come in or call us and we can go over all of your current coverages in a few minutes. If you’re buying a new home, call us and we’ll go over every option before you close. That way we can make sure your home insurance gets added on to your mortgage in a worry-free way.
