Top Homeowners Insurance Tips

Top Homeowners Insurance Tips

Looking for home insurance? Use these tips to land yourself the best policy at the best price.

Finding the best homeowners insurance is bound to take a little bit of information juggling. You want to weigh price, customer service, and claims processing along with total coverage. After all, if you buy the lowest priced policy from a company that has the poorest claims service, you’re not getting the best value for your money.

For new homeowners and those wishing to get the best bang for their insurance buck, read on for the top tips!

Get the right coverage.
Insurance is vital for protecting your investment in your home. A standard policy will cover reconstruction expenses for your dwelling, replacement of your belongings, liability, and ‘additional living expenses’ if your home is uninhabitable due to a covered loss. You should know the ins and outs of your policy, as well as what is excluded in coverage before making a selection.

Perform an inventory.
Prepare for the worst, hope for the best, right? Take an inventory of all of your possessions within the home so that you can easily refer to this list should you need to file a claim and list the items (and their value) that were lost or destroyed. Doing this task may also mean that you learn that some of your high-value items exceed your policy limit. In this case, you may need to acquire additional coverage in the form of a rider to protect your possessions.

Take precautions.
Safeguarding your home not only prevents theft claims, but it can also help you to save on your insurance. For example, installing a dead bolt, fire alarm, burglar alarm or updating the electrical and wiring systems, can all earn you a discount.

Research the company.
You’ve found an affordable policy, and you’re about to sign on the dotted line – but then you read online reviews of their terrible customer service and slow claims processing! Dodge a bullet by researching the company that you’re signing up with to safeguard all of your valuables!

Skip the search of your home insurance, contact the professionals directly at American Premier Insurance for all your insurance needs in Phoenix, Arizona.