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Homeowners insurance is some the most important insurance an individual can own - provided they own a home. In the unfortunate event of a natural disaster or fire, having adequate homeowners coverage will save you from potentially going bankrupt. Homeowners insurance is especially important to those living in the Gulf Coast area, Tornado Alley and the PNW, where wildfires are all-too common. You're going to thank yourself for getting homeowners insurance, should an incident arise.
So how does one go about finding the right insurance? With so many insurance providers out there it can be a little overwhelming when trying to decide on what company to go through and what policy to obtain. Careful planning and research are two of the most important factors in choosing homeowners insurance. It's not a wise idea to simply go with the first provider who gives you a quote. While getting a quote is one of the first steps to finding good homeowners coverage, there needs to be a lot more planning on the part of the client.
We strongly recommend comparison shopping for your insurance coverage. This entails requesting a quote from as many insurance providers as possible and subsequently sifting through these quotes to determine what is not only the best price, but the best coverage as well. Some people prefer to do it the old fashioned way, which means getting on the phone or walking into each office, speaking with an agent and finding out what options you have. The other way is to use a search engine to find a website where you can enter your basic information and be provided with a multitude of quotes from all the major insurance companies. The latter is certainly the easiest way to go about getting a quote, but on the other hand you won't be able to get the same feel for the company that you would when you actually visit/speak with an agent.
You will also want to know what the total replacement cost of your home is. This means that if your entire home and everything in it should be destroyed, what is the cost of replacing everything. You should not settle for a policy that does not cover the total replacement cost of your home. Many people forego this important detail and are financially devastated once a serious incident, such as a fire, flood, etc., causes a total loss.
You'll also want liability coverage, which means that if a guest in your home trips on your doorstep and slams their face into the floor, they will not be able to sue you for damages. This is another aspect of homeowners insurance that many homeowners don't give a second thought, because they figure only their good friends will be in their home. You would be surprise how many "good friends" end up suing for damages. Money makes people do seemingly unthinkable things.
Lastly you're going to want to make sure that your provider will cover the cost of hotel, food and other expenses, should something happen to your home and you be forced to temporarily reside in a hotel or other pay-to-stay location. Most quality insurance companies provide such coverage, but it is still a good idea to check with your provider. The important thing about homeowners insurance is you don't want to skimp out on any coverage. You may never need the additional coverage, but you'll be glad you did should an incident arise.