Though it’s every homeowner’s nightmare, when you have a good homeowners insurance policy, damage to your home becomes an inconvenience rather than a disaster. For example, when your roof has been ripped off in a severe winter storm and you know just by looking at it that this is going to take much more than a Saturday morning replacing a couple of shingles, it’s great to know that your homeowners insurance policy will cover the costs of repairs. All it takes is a phone call to your insurance agent to set everything in motion, and before you know it, you’ll have a sturdy roof over your head again… and you won’t even have to pay the bill! Of course, this isn’t the only type of damage covered: burglaries, fires, vandalism and even accidents in your home are all examples of damages that can be covered by your homeowners insurance policy.
When you buy a new car, you probably compare auto insurance quotes from a number of different insurers so you can find the best deal. And that’s exactly how you should approach purchasing a homeowners insurance policy. Request a number of quotes to review. Besides simply looking at how much your premiums will be, you should review exactly what types of damages are covered, what the limitations of the coverage are, and how quickly each insurance company handles claims. It’s also a good idea to go online and research how other consumers rate each company so you know what kind of service to expect. Select the quote that offers you quick and quality service, adequate coverage, a realistic deductible and affordable premiums.