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Homeowners Insurance Tips For First-Time Buyers
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Protecting Your Brand New Home To The Fullest

As you prepare to move into the home of your dreams, chances are, you will be required to obtain homeowners insurance by your mortgage lender. If you have never obtained homeowners insurance, this may seem like a daunting task.

How much coverage does my beautiful new house need? What coverage options are necessary? How can I save on my homeowner’s insurance premium? These are just a few of the questions you may be asking yourself, and our experienced and knowledgeable professionals can help! Consider these home buying advice tips in regards to homeowners insurance:

  • It is best to insurance shop on your own rather than accepting the first offer you receive. This will allow you to be confident in your coverage and get the rate you deserve.
  • If you are a part of a homeowners association, it is important that you check your association’s master policy. This will allow you to determine what coverage is included in the master policy and what you are responsible for.
  • Before getting any attractive nuisances, such as a pool or trampoline, it is important that you consider the insurance implications. These fun zones will inherently increase your homeowner’s insurance premium due to the increased risk factor.
  • As a first-time homebuyer, it is important to realize that you are not covered for floor or earthquake damages unless you purchase a separate policy. This is a common misconception of first-time homebuyers, so make sure that you seek protection from these common perils before they arrive.

Serving Sacramento, Davis, and all of California, contact Purves & Associates Insurance Services for all of your homeowner’s insurance needs. We will help you go through the process of selecting the perfect amount of insurance to protect the beautiful home of your dreams.