Without sitting down with a magnifying glass to read over pages and pages of the fine print on home insurance, it may seem like there aren’t a lot of resources to turn to when you want to buy a policy. It can often come down to the carrier you choose, but there are also a few things to consider before you start the process.
1. It’s What’s Inside that Counts
Well, that’s not exactly true. Obviously, the outside of the building matters too, but people often don’t realize that their expensive possessions may not be covered under their policy, especially if that policy wasn’t updated after you bought that new computer or TV.
2.Start Talking About the Details
Asking questions is absolutely pivotal in finding the right coverage, and the more detailed, the better. Even if you never experience the situation you inquire about, you’re more likely to feel prepared about what could happen.
3. Weather or Not
Earthquakes in Illinois is not necessarily on everyone’s mind, but stranger things have been known to happen. Many weather events like earthquakes and flooding aren’t covered under standard policy terms, making homeowners surprised when they call for help. Find out your odds of experimenting a weather-related emergency, so you at least understand the terms.
4. Getting More Than You Need
People with tight budgets may think they’re getting away with something when they choose the cheapest plan, but few are able to cope when they have the bare minimum of support after a disaster.
5. Finding a Trustworthy Source
You need someone you can actually talk to in order to make any of the above happen. Evergreen has Martin Insurance Team, so give us a call if you need some help with choosing the right policy.