Find Homeowners Insurance; Here's a Short Blueprint

Finding homeowners insurance is one of the first things you should think about when buying a home. Homeowners insurance is designed to protect you from anything that might happen to the house, including natural disasters, fires, and break-ins. In order to get started on the process of purchasing homeowners insurance, follow these four simple steps:

Step 1 - Compare policies

You should plan to shop around a bit before choosing a policy.

  • Compare no less than five policies from different insurance companies - while it might be slightly time consuming, it will save you hundreds or even thousands of dollars in the long run.
  • Decide what percentage of your home you want to insure; keep in mind that if you insure less than 80% of your home you will end up paying much more replacing lost goods if something happens to your home.
Step 2 - Read Carefully

It is important to really know what is written in your policy.
  • Some policies do not cover things that may seem basic and essential in homeowners insurance.
  • Read the policy carefully and do not hesitate to ask your agent any questions you have.
Step 3 - Lower Your Premiums

There are often simple things you can do to lower premiums on your homeowners insurance policy.
  • Ask your agent how you can lower your premiums.
  • You may be asked to maintain proper landscaping or fix potholes on your property; even if you cannot do these things before purchasing the policy, you can do them later and have your policy premiums adjusted accordingly.

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