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Homeowners Insurance

Homeowners Insurance Policies

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A homeowner's insurance policy covers structural or incidental damage to a home or the property. If you need financing to buy a home, then the lender often requires a policy that carries a specific amount of coverage.

Some homeowners look for policies with limits set by the lender. Beyond those limits, there are other considerations that affect the type of policy you select.

Keep the deductible in mind when searching for a policy. The deductible is what you pay before the insurance takes over. A higher deductible equals a lower insurance premium or monthly payment. When searching for a policy, you should consider the price you can comfortably pay for repair.

Most homeowners want a policy that covers structural damage. They are usually disappointed to learn that structural damage due to earthquakes or floods are usually not covered by a standard policy. When buying in an area where there are frequent storms, adding a piece of policy coverage that covers tropical storm damage is something to consider.

When considering a policy, make sure there is a quick path to getting a claim resolved. In an emergency, the last thing you want is to wait forever for your payment. Talk to an insurance agent to learn more about homeowner’s coverage.


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