Home Insurance

When purchasing a home, you will need to acquire homeowners insurance. In fact, all lenders will require a policy be in force prior to funding the loan. Make sure you have enough coverage, should anything happen. Policies refer to “replacement costs” that may not cover everything.

INSPECTIONS: The insurance company will want a 4 point insurance inspection to help determine your rates. A wind Mitigation inspection may save you a lot of money if the homeowner has made improvements, such as high-impact resistant windows, new roof, and even an extra nail (3rd nail) to help tie down the trusses.

You should ask your insurance agent a lot of “what if” questions. The deductible amount also plays a big part in setting your premium. Higher deductibles lower the number of claims, and reduce your insurance costs.

Check with your insurance agent for more information on these issues, and any others. If you don’t have an insurance agent, we have access to several top-notch agents we can refer you to with confidence.

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