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How to Compare Homeowners Insurance Policies

If you own a home, homeowners insurance is one of the types of insurance you will need. It’s important to have the right amount of coverage to protect you against expensive accidents and damages.

When some homeowners look for home insurance, they may search for “cheap home insurance.” However, there are many factors to consider prior to purchasing home insurance and price is just one. Before you sign up for a home insurance policy online, here is what you should look for to compare home insurance policies.

Types of coverage.

 What dwellings, structures and assets are located on your property? Is your back porch or front porch covered under your current policy? Any structure on your property that is not attached to your home is likely not protected under dwelling coverage and other structures coverage is required. You may need personal property coverage for additional coverage of your belongings. Liability coverage will protect your assets should a guest be injured on your property and you are found legally responsible.

Policies can differ in the types of hazards that they will cover. Make sure that your policy covers common hazards, otherwise known as perils, and especially those that are more likely to occur where you live.

Amount of coverage.

 How much protection would you need in the event of an emergency? You should consider the replacement price over the purchase price. Additionally, all coverages are subject to limits and deductibles. The policy limit is the maximum amount that your homeowners insurance policy will pay toward a covered loss. The policy deductible is the amount you’ll pay out of pocket before your insurance will begin to help cover a loss.

For greater liability protection, you may consider increasing in liability coverage on your homeowner’s policy or even purchasing a personal umbrella policy.

Get one-on-one help.

Call Flowers Insurance Agency at (512) 710-2185 today for a home insurance quote; we’ll make sure you get the best home insurance coverage for you. There is no end-date when we represent our clients. You can find us helping a customer determining whether a claim should be filed, ensuring that a claim process is being handled correctly and proactively communicating potential savings.

You gain a dedicated insurance agent who ensures on a continual basis that your full insurance portfolio has you protected. You can also schedule a no-obligation insurance review at a time that works best for you.

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