How do you get home insurance? 🤔🏡

TL;DR
Know your home, know what you can afford, shop around for coverage to replace everything if you need to.

A lot of people try to buy a house without considering everything else that goes along with it. So, if you know that getting home insurance goes along with getting a home, congrats! But how do you actually…get it? Let’s break it down.

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  1. Get a home

Okay, this was too easy. But yes, it helps if you actually have a house or a house in mind to insure.

  1. Know your home

Home insurance rates can depend on anything from how old it is, where it is, how big it is, what its made of, what kind of roof it has – the list goes on and on. So, keep these traits in mind while you shop too.

  1. Shop around

Don’t just go for the first carrier you see with a tv commercial, banner ad, or even a recommendation. Your situation might be different, so you may get a different quote.

  1. Don’t procrastinate

This is NOT a school project. You need time to weigh your options (and we need time to quote you properly 😉) SERIOUSLY. THIS IS NOT A CHALLENGE. DON’T PROCRASTINATE.

  1. Get enough insurance

This is not the time to penny-pinch by on the minimum amount of coverage. If your house burns down or a visitor breaks an arm, you’ll need enough coverage to help you rebuild, replace, and…rehab, I guess?

  1. Know what’s covered

If you’re blindly choosing a policy, you’re going to be disappointed when you find out that things like flooding aren’t covered. Read. Your. Policy. Or at least the declarations page. And add coverage as needed.

  1. Know what deductible you can pay

Deducting what now? Your deductible is the amount you’ll pay before your insurance kicks in. While a higher deductible means a lower premium (monthly payment), it also means you’ll have to pay more out-of-pocket if something happens to your house.

  1. Go over everything next year

A lot can change in a year, and those changes could affect what you need covered. So, take a minute to reassess at renewal.

 

Now it’s time to chat up our agents so you can save on home insurance the right way. Click on the chat bubble in the lower right-hand corner, and you’ll get to talk to one of our super-nice and experienced experts about coverage and discounts and all that fun stuff.

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