Home insurance is a daunting creature we run into when we finance our first homes. Lenders often require it as it not only protects your assets but also their investment. Coverage is not required by California law, but because lenders do frequently require it, there are many companies and coverages to choose from to meet the demand. Each company claims that they will protect you when you need it most, but with all the choices, how do you choose insurance that will truly be on your side when trouble comes?
First Of All, What Is Home Insurance, And What Does It Cover?
Home insurance is a voluntary coverage plan that insures a homeowner’s property. This can include:
- Dwelling Damage
- Natural Disasters
- Personal Property
- Additional Structures
- And More
The most important aspect is that your home, yard, and property are protected in case something were to happen. Homes are often our largest investment so it is vital that your home is properly cared for. The best cost savings come from comparing the biggest carriers to find which works best for you, which is where an independent broker like Alex Rue comes in.
What To Consider When Shopping For Home Insurance
- Know Your Assets
Knowing your assets is the first step when looking for home insurance. Whether you have boats, animals, a pool, or even a tree fort, you want to make sure the plans you’re shopping for fit your needs. Sometimes, an online checklist can’t answer your specific questions and that’s where experts like us come in. The Alex Rue Crew will help you find the coverage that matches your home needs by shopping around and finding the best rates. We are here to help you every step of the way.
- How Quickly You Need Proof of Insurance
Because your lender may require home insurance, you may need to provide proof of your policy before agreeing to lend. The housing market is as hot as it’s been for a while so time is ticking once you find your perfect home. Make sure your insurance provider is able to give you quick proof if you need it. The Alex Rue Crew is here to help you eliminate the stress and worry by being one step ahead so you don’t get lost in the paperwork.
- Make Sure They’re On Your Team
We’ve all been in a situation where something that was supposed to help us didn’t quite hold up to its promise. This is a story we hear way too often from new clients transferring from other agencies. This is why we molded our business to always be on your side.
Finding the right home insurance doesn’t have to be daunting. The Rue Crew is on your side to help you every step of the way. Contact us today to find the right policy for you.