Home Owners Insurance Can Provide Peace Of Mind
What Do YOU Know About Home Owners Insurance?
Whether you have owned a house all your life or you are a first time buyer, it's probably safe to say that your house is your most expensive asset and most valuable investment. How much time and thought have you given to the home owners insurance that protects your investment, namely your house? It's extremely important to give home owners insurance the attention and time it deserves to ensure your house is adequately protected. When looking at home owners insurance, it's very important to know what is covered and what isn't. The protection your home owners insurance provides can make a huge difference when disaster strikes.
What are the basics of home owners insurance?
The two basic parts of home owners insurance is property insurance and liability insurance. You want to make sure that your home owners insurance covers your house, and all the contents in the house. Liability insurance will protect you in case someone gets hurt on your property. Did you know that normal home owners insurance does NOT usually cover floods and earthquakes? So if your house is in a flood or earthquake zone, it is best to include that coverage in your home owners insurance as well.
How do I know how MUCH home owners insurance to carry?
Most home owners want their home owners insurance to cover the cost to replace their house in case of fire, tornado, etc. The cost of your home owners insurance will depend on how much it would cost to replace your house and all it's contents. Accidental damage is usually covered under the buildings insurance portion of your home owners insurance. Most home owners insurance coverage includes "just about everything", except the exclusions listed (such as flood and earthquake).
Who can help me with home owners insurance?
There are many great insurance agencies available to help you determine the replacement cost of your house and the type of insurance coverage you need. If you are in the Spokane area, just google "home owners insurance Spokane." For other areas, just google "home owners insurance," "quote for home owners insurance," "insurance coverage," or "compare home owners insurance quotes." You will find many helpful websites to give you information about home owners insurance and answer all your questions. Also, if you already have auto insurance or life insurance, you may want to talk to your insurance agent about getting a quote for home owners insurance. Many times clients get the best price when shopping around for insurance, if they bundle insurances together. The most important thing when shopping for home owners insurance is to COMPARE, COMPARE, COMPARE! Compare many insurance quotes to make sure you get the best price!
Don't leave your house unprotected!
Get the protection you need for your house...check out home owners insurance today. Get the peace of mind you deserve by insuring your most valuable investment...your house!
by: Janice Klave
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