As a homeowner, you want the best for your home and your family. This often means finding the best house for your budget, creating a comfortable living area, and insuring your belongings to protect against unexpected financial loss. However, finding the right homeowners insurance policy can seem like a real challenge, even if you’ve purchased policies in the past. Here are a few simple tips to help you get the most out of your coverage.

3 Tips for Getting the Most Out of Your Homeowners Insurance

1. Value Your Home Properly

To avoid being underinsured, take the time to determine how much insurance you need. The policy should have a high enough coverage limit to completely rebuild the structure and fill it with the same possessions you own in the event of a disaster. If your policy is too small, you may be stuck paying for the remaining work out-of-pocket.

2. Know What Your Policy Doesn’t Cover

Unfortunately, homeowners insurance doesn’t protect your home from every disaster imaginable. Before you agree to the terms of the policy, make sure you know what the policy does not cover. For example, many insurance policies do not provide coverage for flood damage or earthquakes, but they will help in case of fires and hail. If your policy lacks coverage you feel is necessary, you may need to purchase supplemental coverage.

3. Don’t Be Afraid to Ask for Discounts

Believe it or not, most insurance companies offer discounts on coverage, but they don’t advertise them. Instead, you’ll need to ask your insurance agent about any discounts you may qualify for. They can review your coverage and your situation to find any discounts you may be missing. For example, if you already have car insurance from the same provider, you may be eligible for a multi-policy discount, saving you money on your monthly premiums. If you recently installed a security system, this can further reduce your premium costs.

Let the team at 1^st Choice Insurance in Fairfield, OH, help you find the right homeowners insurance policy to protect your home. Their friendly agents will get to know you and your unique situation to ensure that you have the coverage you need at a price you can afford. Learn more about their services online and see the difference that a locally owned and operated insurance agency can make in keeping you covered. Call (513) 860-0666 for a quote for your household.