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                 BEFORE YOU BUY
        
                                              

 When you’re shopping for the perfect home look for features that will save you money.

  •  Alarm System
  • Fire & Smoke Detectors
  • Updated pluming
  • Roof (10 years or younger you’ll see a difference in the premium).
  •  Distance from Hydrant & Fire Department.

  •  Flood Risk

               
     Ask questions to ensure that you’re getting the best deal.

 What exactly does my policy cover?

 

 The standard coverage for a homeowner’s policy can vary depending on the type of structure. There should always be enough coverage in an event that damage occurs and/or a full rebuild is necessary.

 
Do I need additional coverage?

 It’s important to take inventory of your home to ensure all of your personal items are properly covered. Homeowner’s policies generally provide coverage up to a certain amount, but if you have jewelry and/or any other special items or collectibles you’ll want to confirm that your policy has enough coverage for those items. If you feel that there is not enough coverage you’ll need to schedule them on the policy. 

 What is personal liability coverage?

 Your homeowners policy doesn’t only protect the structure of the home, it also protects finances in an event of a lawsuit.

 What’s my deductible amount?

 

 Knowing your deductible is important in an event of a claim. If there is claim the deductible is the amount that the insured is responsible to pay before the insurance kicks in and funds the repairs.


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