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Home Insurance When it comes to protecting yourself and your new home, homeowners insurance is a must. Just as renters need renters insurance, homeowners insurance can help to reimburse you in the event that something happens to your home. It can also help to protect you in the case of an accident or injury of someone else on your property resulting in a lawsuit against you. There are somethings you should keep in mind before you buy your homeowners insurance.
  1. Figure out how much coverage you need. The more coverage you purchase, the less you will have to pay out of pocket for any claim. Some insurance companies require that your policy cover at leas the amount of your mortgage. The amount of coverage you purchase for your home, personal belongings and medical liability will affect the deductible you will have to pay.
  2. Determine what type of coverage you want. As with any type of insurance, there are different packages available. These packages vary depending on what types of events you want protection from. Whether it is fire, theft, flood or earthquake. You must also decide if you want to insure for replacement cost or cash value.
  3. Read your policy. Your insurance policy is a legal and binding agreement. Make sure that you read and understand your role as well as the role of the insurance company in the event that you need to file a claim. Keep your policy in safe place with the name of your agent and insurance carrier to protect it from any incidents.
  4. Update your policy. You should be checking with your insurance agent once a year to update your policy and ensure you have appropriate coverage. Updates to you home may increase its value and you will want to make sure that you can be reimbursed for the correct amount.

At Fleming & Riles Insurance, we understand the importance finding the best coverage at an affordable rate. Call us at (800) 833-4379 today to ask about how we can help you find the right home insurance policy for your needs.

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