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First time home buyer? Here are some tips for finding the best homeowners insurance.

Did you just buy your first home? You may have auto insurance and renters insurance, but now you need homeowners insurance. In fact, it's a requirement when purchasing a home.
6/10/2014

Buying your first home is both exciting and frightening at the same time. Often times, first time buyers are confused by how much insurance to buy. You may have auto insurance and renters insurance, but now you need homeowners insurance. It’s a requirement when purchasing a home. In fact, your mortgage lender will require proof of homeowners insurance before you complete the financing process.

 

If you want coverage that is personalized to your budget and your needs, an independent agent is the way to go. An added perk: if you have auto insurance already, you can often get a discount if you have both policies through the same company.

 

Some questions you may have when shopping for homeowners insurance:

 

  • When should I start shopping for homeowners insurance? Insurance may not be your first thought when you are thinking of buying your first home, but you can get a quote for insurance before you buy your home, so it’s a good idea to start shopping for insurance policies when your purchase offer is accepted. If you have a mortgage, your lender will require coverage. Your insurance agent will have questions about your purchase that will help them determine your personal insurance needs, so be prepared.
  • Dwelling coverage and personal property coverage, do I need all that? Have your agent explain the different insurance terms to be sure they are providing the best policy that fits your needs.
  • HO-3, HO-8. What does it all mean? Understanding the different levels of homeowner’s policy and the perils they cover or exclude can be confusing. The insurance industry has standardized the types of policies, making it easier for your independent agent to provide you with multiple quotes on the same level of coverage.

As a first time homeowner, you want to purchase your insurance through a reputable insurance company. An independent agent can personally guide you through all the steps, find you the best price, coverage and service. Need an independent agent? Find one today at InsuranceDeals4u.com.

 

 

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions,exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage. 

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