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You don’t know what problems you may encounter as a homeowner. That’s why you need to make
sure that you have a good homeowners insurance policy. Work with a qualified insurance agent to find a policy that meets your needs.

Choosing a Homeowners Insurance Policy

Most people believe that all insurance policies provide the same coverage. Over 80% of consumers learn that their policy doesn’t provide the coverage they expected when they need to file a claim. Other homeowners pay too much for their coverage. Do your research and find a policy that is right for you.

Many people mistakenly choose the policy with the lowest monthly premiums. Here are some other factors that you should look for when purchasing homeowners insurance.

Deductibles

Every insurance company charges a deductible for customers who need to file a claim. You can reduce your premiums by taking a policy with higher deductibles, but you’ll need to make sure you can afford them before you file a claim.

Coverage Limits

You need to make sure that your policy covers any damages that may arise. You need to estimate the value of your home and all property that you own and purchase a policy that offers the necessary coverage. You should consider purchasing a policy that covers medical care in case anyone is hurt at your house.

Types of Coverage

You need to make sure that you are insured for any tragedy that you may face. Most standard homeowners insurance policies do not cover flood or earthquake damages.

Approximately 81% of people know that their insurance policy won’t cover them in the event of a flood or earthquake. However, most people still don’t purchase flood insurance. They don’t think they need to worry about natural disasters where they live. They regret that decision after a flood occurs in their area. You should consider purchasing flood insurance because a flood can occur anywhere at any time.

Working With Your Insurer

We provide an excellent selection of homeowners insurance policies for people throughout Santa Rosa. Our agents will make sure you purchase a policy that suits your needs. We will also tell you about any discounts that you may be eligible for.
Most people don’t purchase sufficient coverage in case of a disaster. We will make sure that you are fully covered for any event that may occur.