WHY HOMEOWNERS INSURANCE MATTERS
Homeowners insurance is essential for protecting your new home and belongings from unexpected events such as fire, theft, or natural disasters. It provides financial security and peace of mind by covering repair costs, replacement expenses, and liability for injuries that occur on your property.
COVERAGE TYPES
Policies usually cover dwelling (home structure), personal property, liability (injuries or damages), and additional living expenses (if you need temporary housing).
POLICY LIMITS & DEDUCTIBLES
Understand your coverage limits and deductibles to ensure they meet your needs. Higher coverage limits and lower deductibles offer more protection but may increase your premium.
PREMIUM COSTS
Your insurance premium is influenced by factors such as the home’s location, age, and value. Shop around and compare quotes to find the best rate for your situation.
PROPERTY TITLE SEARCH
A title search ensures the property’s title is clear of legal issues like liens or disputes. This process verifies that the seller has the right to transfer ownership and helps prevent future claims against the property. Title insurance is often purchased to protect against any issues that might arise from past events not identified during the search.
