It’s important to understand the basics before you make a purchase. Take some time to do some online reading or ask family and friends for advice.
Before you shop around for your home insurance policy, you should have an idea of the coverage you seek to protect your home and personal possessions.
Don’t purchase the first quote you get, take your time to compare quotes and options available. While saving is important, make sure that all your needs are met because you don’t want to risk having too little coverage.
A deductible is the amount you are responsible for paying in an event of a claim. The lower the deductibles, the higher your rates. Therefore, if you want a lower monthly premium, brace yourself for a higher deductible.
Water is the most common cause of damage to home, so ask how your home insurance policy covers this type of damage.
There are discounts available to homeowners, if you have a claim free past, new home improvements, alarm system installed, etc. Make sure to ask your home insurance advisors about the discounts you can qualify for.
AP Insurance is a team of brokers focused on offering our clients the best products on the market that adapt to their lifestyle. We offer auto, home, business, liability, travel, medical insurance and more.