These tips can help homeowners make good decisions when buying home insurance.

  1. Find a local independent insurance agency/insurance broker
  2. Ask that they compare your homeowner’s request with at least four companies to compare coverage.
  3. Make sure you’re getting adequate coverage. The replacement cost of your house is typically more than what you are buying the home for.
  4. Understand the details of your policy. There are many coverages that go into homeowners insurance. It is a pretty complicated product, make sure your insurance broker is educated on coverages and can explain all of them to you.