subject: New Homeowners Need Property Protection Insurance [print this page] New Homeowners Need Property Protection Insurance
A first home will often be a buyer's largest and most valuable asset. Therefore, protecting it properly is very important, but also can be complicated. The unexpected, like a break-in or flood can often compromise a New Homeowner financially so homeowners insurance is an important consideration.
There are different types of insurance and New Homeowners need to understand the differences between the available options:
Liability- Homeowners insurance also provides compensation for liability claims and medical expenses that result from property damage and personal injuries suffered by others.
Structures - Protects a person's dwelling for damage due to common threats like fire and smoke, lightning, theft and extreme weather. Unless it is included in a policy's exclusions, anything that can potentially cause loss to a homeowner or his property will be covered. For those damages that may not be covered under a policy, homeowners can usually add endorsements to the policy or may be required to purchase an additional policy for coverage.
Personal Property- A homeowner's personal property and family possessions are also covered by homeowners insurance. For most, policyholders will be reimbursed for damage or theft of personal property whether the loss occurs on the protected premises or elsewhere. Because it can be difficult to recall each item in a room, policyholders are encouraged to keep an inventory of their belongings and store this inventory list in a fireproof sage or away from the house to keep it protected.
New Homeowners need Insurance. And that's why smart Insurance Agents use New Homeowner lists to locate new prospects for their insurance business.
Weekly and monthly New Homeowners lists are available in the marketplace. Many New Homeowner recordswill have scrubbed telephone numbers available.All of them will have the purchaseamount the New Homeownerpaid. This help theagent pre-qualify the products they are proposing. Insurance Agents can contact a company like Dataman Group to acquire a quality New Homeowner list in their area.
There is so much competition in the marketplace. Smart insurance agents who reach out to New Homeowners with a well-thought out mailpiece and follow up with them by telephone, will win their homeowner insurance business.
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