Your home is one of the biggest financial investments you will ever make. Why, then, would you leave it exposed? You want to protect all of the equity you have built in your home, and hopefully have taken out a homeowners insurance policy to do just that. Do you have the right coverage, though?
To help you get the best Sacramento, CA homeowners insurance, use these facts the next time you are shopping for coverage.
- Get Quotes: Different insurers will offer your different rates on the policy you need. To ensure you end up with the most affordable option, get quotes from at least a few insurance providers. Alternatively, you can work with an independent insurance agent who can do the leg work for you, gathering quotes for you to compare.
- Get Enough: Take the time to read through your policy and ensure you have enough coverage for your house. If you are not sure how much you need, make a home inventory of all of your possessions and get an updated appraisal of your home’s value. With those documents, you will be able to total up your home and its contents’ value, ensuring you get enough coverage.
- Get Educated: When reading your policy, make sure you understand what it is saying. If you would like someone to be able to define terms for you (e.g. deductible, actual cash value, sub-limits, riders), talk to an independent insurance agent. He or she will be able to guide you through your policy word by word.
Want to talk to an independence insurance agent to ensure you have the best coverage for your house and actually understand it? For all of your Sacramento and Davis homeowners insurance needs, contact Purves & Associates Insurance Services. We are here to provide you with the right insurance facts so you can make the right decision about your California policy.