People who’ve been through a life-changing event know that when it comes to peace of mind, getting homeowners quotes is the first step. For example, if you’ve survived a tornado but lost your home, you’ll be grateful for your homeowners insurance policy that’s going to allow you to rebuild your home. Or if you and your partner have recently had twins, it suddenly becomes clear that taking steps to protect your family, your home and your possessions is even more important than you ever thought. Getting homeowners insurance quotes starts the process of attaining peace of mind.
You can request free homeowners quotes online and have them tailor made to your personal situation. Of course, you want to insure your home for the full replacement value in case of a disaster, and you’ll also want to review exactly what types of damages are covered. Take your time to really read through each quote, and if you have any questions or concerns, contact the insurance agent listed on the quote. Remember, being underinsured is never enough when disaster strikes, so it’s imperative that you understand all of the terms and conditions before you purchase a homeowners policy. Make sure you get the best possible coverage for your situation, and remember, peace of mind is priceless, and so is a good insurance policy when you need it!
If you own a home, it’s important to compare home insurance quotes to make sure you get sufficient coverage for both the home itself and its contents. Without adequate coverage, you could be looking at thousands of dollars of repair or replacement costs in the event of a burglary, fire or flood. What follows are three tips to bear in mind when comparing homeowners insurance quotes for the possessions inside your home.
- Before you compare home insurance quotes, make a proper assessment of the value of your possessions. Usually, homeowners policies insure the contents of your home at a percentage of your home’s value – but this doesn’t always reflect an accurate value. To avoid being underinsured or paying premiums that are too high, make a list of your possessions and write down realistic replacement costs.
- If you own special collections, art or antiques, have them appraised by a certified appraiser. Make sure to keep all paperwork pertaining to your collections, as well as the appraisal certificate, and read the fine print about collections when you compare home insurance quotes. In some cases, you may have to purchase separate insurance for valuables in order to cover them for the replacement value.
- Always read homeowners insurance quotes carefully to find out what’s covered, so you’re not in for a nasty surprise in the event that you have to file a claim. Most homeowners policies cover damages due to burglary, fire, and windstorm, but not damages caused by lack of maintenance to the home, floods or named storms.