Are you ready to buy your first home? Or perhaps you’ve been enjoying your home for a few years now, but haven’t reviewed your insurance in a while.
With all the work that goes into buying a home, insurance can often fall by the wayside and become an afterthought, and instead of sitting down with an expert and discussing all options, we often pick the least expensive and hope for the best.
With the number of things that can go wrong in a home, we need to be covered. Fire, theft, and flooding are not preventable, but recovery can be easier with the right coverage.
Choosing the right coverage starts with deciding how much you should be covered for. This is done by first making a list of everything you own. This may seem tedious, and it really is, but it’s necessary. We often underestimate how much we actually own, so taking the time to write it down helps give you a clearer picture of the coverage you really will need. You’ll also want to find out the reconstruction cost of your home, which can be different than the market value.
Standard policies often don’t cover pollution, war, nuclear risks, flooding caused by floodwater and landslides, but can often be added with an option. Knowing what you’re covered for from day one is extremely important.
The world of home insurance can be confusing. You need an expert to help you not only find the best price, but also the best coverage for your money. Coast Insurance can help.