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5 Tips for Getting the Most of Your Home Insurance

Wouldn’t you love to know how you can get the most from your homeowners insurance? In addition to doing your own research, the Insurance Solutions team is available to help you through the process.

Understand What Your Policy Covers

Many times, a homeowner will sign up for the bare minimum and think they’re set. Unfortunately, this often doesn’t provide the coverage you need if you have valuables in your home or are concerned about flood damage. Knowing and understanding what your policy does and doesn’t cover with regard to specific perils is important. To ensure that you make an educated decision and select adequate coverages to protect you and your assets, work with an Insurance Solutions advisor.

Let Our Advisors Shop for You

As an independent insurance agency, Insurance Solutions can help you find the best policy tailored to match your individual needs. Our advisors have access to multiple carriers and and can compare available coverages and costs to help you choose the optimum solution for you and your family.

Market Value vs. Replacement Cost

It’s wise to consider the difference between market value and replacement cost in the unfortunate event that your home is seriously damaged. The market value of your home is the price you would get for your home on the real estate market, which includes the land. ┬áReplacement cost is the cost to rebuild your house in the same spot, with the same size and quality of construction, at today’s costs. What about guaranteed replacement cost, actual cash value, and specified limits? Your Insurance Solutions advisor can explain the pros and cons of the insurance terms listed on your homeowners insurance policy and how it would respond if you have a claim. After a claim occurs is not the time to find out your coverage is inadequate to put things back the way they were.

Keep Records

Keep an updated home inventory and store it in a safe location. Include receipts, appraisal documents, lists, and photographs/videos. This way, you’ll be ready should the time come to make a claim.

Bundling Can Benefit You

Consider bundling other insurance policies with the same company as your home insurance. You may be able to save money and it’s more convenient too.

Getting the assistance of a quality insurance advisor makes it easier to get a solid home insurance policy. Our advisors have the knowledge and experience to help you obtain the best protection and value for the things you cherish most. Contact the Insurance Solutions team to get started.

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