Purchasing home insurance is not always so straightforward, and can be a little confusing. With so many things to focus on to make sure they fit your needs, there are some aspects that you may overlook. Know what’s important, and avoid these mistakes when purchasing homeowners insurance.
- Not understanding exclusions to your policy.
Be sure to understand what is included in your policy and what isn’t included in your policy. Knowing what is excluded is as important as knowing what is included, and this way, you can avoid making costly assumptions about your homeowners insurance policy.
- Focusing solely on price.
Price is the main factor that many buyers focus on, and sometimes it’s the only one they focus on. Sometimes getting the cheapest insurance can end up costing you more than paying for the slightly higher policy. Be sure that your policy covers everything you need.
- Thinking floods are covered.
Many people believe that their homeowners insurance is going to cover every disaster that happens to their home (makes sense, right?). Not so fast! Your policy is only going to cover what is included in your policy. Flood damage is not included, so if you live in an area that is prone to flooding be sure to add it on.
Knowing that you are protected with the right flood insurance in Davis, CA can help to give you the peace of mind you deserve. Contact Purves & Associates Insurance Services for all of your flood coverage needs in Davis, Sacramento, and surrounding California areas.