3 Tips When Insuring Your Home

February 26, 2021

Whether you’re a new or seasoned homeowner, finding the right home insurance policy is essential. It will protect your property and belongings and make sure your investment is safe for years to come. Here are some tips that will make it easier to choose the best coverage option for your needs.

How to Pick the Best Home Insurance

1. Cover Local Risks

While adverse weather conditions can occur anywhere, some areas of the country are more susceptible to issues like floods, hurricanes, tornadoes, wildfires, or earthquakes. Do some research to determine if you have any of these local risk factors, and avoid buying a policy without them, even if you have to include additional coverage like flood or earthquake insurance.

2. Consider Coverage Before Price

Price is an important factor to consider while you’re looking for home insurance, but it shouldn’t be the only criterion. It’s usually worth it to spend more on a better policy than to get a bare-bones option for less.

If you experience a huge loss like a fire or natural disaster, higher monthly premiums will pay off and generally result in more coverage.

3. Insure Expensive Items Individually

Home insurance covers the property inside your house, but not everything you own will qualify for its maximum benefit. Coverage of certain valuables is limited by the sub-limit of liability of the policy.

You can seek out a policy that has high sub-limits, or you can insure these items individually. This will allow you to get a much higher payout if a piece of jewelry or an electronic device is stolen.

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If you need help finding the right home insurance, call the representatives at Phil Taylor Insurance Agency for help. Located in Clarksville, AR, they offer homeowners insurance, in addition to life, auto, boat, flood, motorcycle, and earthquake coverage. Their agents have years of experience in the field and will help you find the lowest rates available. Visit them online or call (479) 754-2616 to discuss your individual policy needs today.

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