

For most of us, our home is our most valuable financial asset. But it's also a vulnerable asset. A toppling tree may damage the roof, a burglar could steal a television, or a neighbor could trip and fall on the front stairs. It is important to take steps to protect this investment!
Choosing the right homeowner's insurance company is important. Shop for homeowner's insurance the same way you shop for other insurance. It's a good idea to call several insurers for quotes. Sometimes you'll get a better deal if you buy your homeowners and auto insurance from the same company.
Consider a policy with a high deductible. The premiums are cheaper and you won't be tempted to make small claims. Even one or two small claims is often enough to prompt an insurer to cancel your coverage!
Homeowner's insurance policies usually cover the following:
Homeowner's Insurance Quiz: Know If You Are Covered!
How Much Insurance Do You Need?
Your insurance agent can help you determine the coverage you need. Most policies require that you insure your home for at least 80% of its replacement cost. Of course, it's always a good idea to insure your home for the entire cost (including materials and labor) of rebuilding your home today.
Now Is The Time!
Many of my clients turn to Maggie Merritt at Homer Smith Insurance for their homeowner's insurance needs. Maggie is experienced, professional, and thorough. I highly recommend giving her a call! Maggie can be reached at 360-385-3711 or maggie@homersmith.com.
If you are purchasing a home, let your agent know the policy, deductible, and coverage you choose. You won't have to pay anything up front. Your first year's insurance premium will be included in your closing costs. Simply let me know your insurance agent's name and phone number. And we'll take it from there!