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How To Shop For Homeowners Insurance

Most people simply select a policy for homeowner’s insurance quickly when they are in the process of buying a home. With everything else that is going on at the time, homeowner’s insurance seems like just one more thing to sign off on and move on. Plenty of errors can slip through the cracks if you don’t take your time when shopping for homeowner’s insurance.

A Trusted Agent
A lot of people simply allow the real estate agent or mortgage broker to handle finding the insurance policy. Usually, they do know some good people, but do you really want someone you have never even spoken to insuring your biggest investment? If you already have an insurance agent for your auto coverage, give them a call and find out if they can quote your homeowner’s insurance.

Look At The Replacement Cost Calculations
No, it’s not going to be what you paid for the house or even what it’s worth. The replacement cost is simply how much it would cost to rebuild your home from the ground up. And an accurate replacement cost calculation depends on accurate information about your home.

Cover Your Property
Be sure there is enough coverage for everything you own, including high-value items like jewelry. This is something that is often overlooked when shopping for homeowner’s insurance because the focus is on the house and not the things inside it. Accuracy is the key to a homeowner’s policy that covers everything you own properly, along with valuing your house appropriately. If you ever have a claim, you will be glad you did.

Tracey L. Wells Your Local Farmers Agent
2402 Loganville Hwy, Ste 300 Grayson, GA 30017