There are many details to keep in mind when looking at various policy options. Here are just a few things to keep in mind.
Coverage Amounts. Be sure that your home insurance policy is enough to protect the TOTAL value of your home, not simply the equity (the amount paid off) or the balance remaining on your mortgage.
Covered and Uncovered Losses. While most things such as fire, theft, and weather damage are covered by your policy, specific things such as earthquakes and flood damage may not be. Check your policy.
Policy Exclusions. There will always be items excluded. Be sure you know what they are, and protect yourself.
Deductible. A higher deductible (the amount you pay before your insurance kicks in) might mean a lower premium, but is it worth it? Make sure any deductible you have is affordable.
Discounts. What will give you a discount? A security system, not smoking, and having more than one home insurance policy might lead to a discount. Check to see if your lifestyle supports this!
InsuranceQuotes.com can help you find the best home insurance rates, online! From the comfort of home, you can get a free homeowners insurance quote today!
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