I have a home - What should I consider?
You might be making the move from renting to buying, building a new home or moving to a new neighborhood. Maybe your just changing insurance companies. In any case, you'll make a lot of important decisions about your home along the way…price, location, features… just to name a few. You'll also need to make some decisions about insurance. And when you do, here are a few things you might consider...
Your Home
- How much would it cost to rebuild my home at today's prices?
- How can I make my home safer and possibly save money?
Your Property
- What would it cost to replace the contents of my home?
- Do I have an inventory and photographs of my personal possessions?
You and Your Guests
- What kind of protection do I have against liability claims?
- Will my guests' medical expenses be covered if they're accidentally injured on my property?
Your Coverages
- How can I personalize my policy with extended coverage on computers, silverware, jewelry and more?
- Should I get flood insurance?
- How often should I reevaluate my coverages?
- How much should my deductible be?
- Can I save money if I have my auto insurance at the same agency that I have my home insurance?
- Do I need or have reimbursement for additional living expenses if I can't live in my home due to a covered loss?
- I'm building my home, are there additional coverages available during the course of construction?
Make sure you understand your coverage options or have your agent explain them to you. Now is the time to review your coverages - not after a loss!
