Homeowners Insurance Basics

Buying a house is a huge financial commitment. Between your mortgage payments and utility bills, you also have to think about your home insurance payment. Since you do not want to skimp out on coverage and leave your home vulnerable, make sure that you know these facts about home insurance.

• What is covered? - standard homeowners insurance policies will provide coverage for your assets and property that are damaged or destroyed in a covered peril, such as theft, fire, storms, or vandalism. It will also provide a limited amount of liability coverage in case someone is injured while visiting your house.
• What is not covered? - just as important as knowing what is covered is knowing what is not covered under your policy. Typical home insurance policies will not provide coverage for floods, earthquakes, faulty zoning, war, defective maintenance, and more. Knowing what is not covered can help you figure out if you need to invest in other policies to fill the gaps in your coverage.
• Always shop around - not all home insurance companies are built the same, which means that they will not offer the same coverage options at the same price. Shopping around will help to make sure that you are able to find the right policy at the right price. Working with an independent insurance agent can help to make this process much easier.
• How to save money - just like your other insurance policies, there are many discounts that are available to help keep the cost of your homeowner's insurance low, including bundling your policies. Make sure to ask your insurance agent about the discounts that you can qualify for.

Contact the independent insurance experts at Jack Stone Insurance Agency in Antioch, California for all of your homeowner's insurance needs. We will work with you to ensure that you and your home have the coverage that you deserve.