What new homeowners should know about securing home insurance.
Whether you’re packing, planning, or still picking the right house, new homeowners need homeowners insurance. While you know that this coverage protects your house and belongings, maintaining the right policy for you is critical. For what you, as a new homeowner, needs to check off, view this checklist!
Know what coverage you need. Aim to buy enough coverage to replace your home if it’s destroyed. Talk to your insurance agent to determine how much coverage you need.
Perfect your credit score. Insurers will look at your credit score when deciding whether to sell you insurance and at what rate. Check your report to see if there are any mistakes or anomalies that you need to correct.
Gather information. You’ll need to know specific features about the house: the square footage, number of bathrooms, materials used for the roof and exterior walls, age and condition of the house, and condition of the decks and garages. This will help to determine how much you’ll need to pay for coverage.
Take a detailed inventory. Record and note your belongings around your home so that you have an inventory handy, should you need to file a claim in the event of a loss. Expensive items such as jewelry, computers, and artwork may require additional coverage.
Add on coverage. Homeowners policies typically cover the outbuildings, personal property, liability protection, and additional living expenses. Frequently, flood, hurricane, and earthquake protection must be purchased separately. Assess your risk for these disasters and buy additional protection as needed
Are you ready to secure the right homeowners insurance for your belongings and property? Get started on a tailored homeowners insurance policy to suit your needs and budget by contacting Jack Stone Insurance Agency, serving Antioch, Brentwood, and neighboring cities in California.