Homeowners Insurance

Explore 360° homeowners insurance options, including earthquake, flood, and mortgage protection, ensuring your home is fully safeguarded!

Homeowners Insurance Guide

When shopping for homeowners insurance, consider these factors that can affect your premiums:

1. Home Value

- Replacement cost of your home

- Market value of your property

2. Location

- Proximity to fire departments and hydrants

- Risk of natural disasters (floods, earthquakes, wildfires)

3. Property Features

- Age and condition of the home

- Type of construction (brick, wood, etc.)

- Roof type and condition

4. Safety and Security

- Security systems (alarms, cameras)

- Smoke detectors and fire extinguishers

5. Claims History

- Previous claims made on the property

6. Deductible Amounts

- Choosing higher deductibles can reduce premiums

7. Coverage Options

- Types of coverage (liability, personal property, etc.)

- Additional endorsements (e.g., scheduled personal property)

8. Occupancy

- Primary residence vs. rental property

9. Discounts

- Available discounts (bundling, loyalty, safety features)

Use this checklist to gather relevant information and make informed decisions while shopping for homeowners insurance!