Home Insurance

Home insurance generally doesn't cover:

• Flood damage
• Earthquake damage
• Acts of war
• Intentional damage caused by you or your family
• Wear and tear

The amount of home insurance you need depends on the replacement cost of your home and belongings. Get a professional appraisal to determine the value of your property.

Several factors can influence your home insurance premium, including:

• Location: Homes in areas prone to natural disasters, such as hurricanes or earthquakes, may have higher premiums.
• Age and condition of your home: Older homes or those needing repairs may have higher premiums.
• Security features: Homes with security systems, such as alarms or surveillance cameras, may qualify for discounts.
• Deductible: A higher deductible generally results in lower premiums but increases out-of-pocket costs in case of a claim.

You can potentially save money on home insurance by:

• Bundling policies: Combining your home insurance with other policies, such as auto insurance, can often result in discounts.
• Improving your home's security: Installing security systems or making other improvements can lower your premium.
• Shopping around: Comparing quotes from insurance companies can help you find the best deal.
• Consider a higher deductible: Increasing your deductible can lower your premium.

Contact a Top Insured Agent today!