Choosing the Right Home Insurance

Start with what you want to protect

Think about your home, belongings and potential liability. Make a list of the things you would want help replacing after an unexpected loss.

Compare more than the premium

Ask an agent to explain the limits, deductibles and exclusions. A lower price can come with different coverage, so make sure you understand what you are comparing.

Ask about rebuilding costs

The cost to rebuild is not necessarily the same as a property’s purchase price or market value. Discuss the factors used in the insurer’s estimate.

Look for gaps

Ask specifically about flooding, high-value belongings and any home-based business activity. Some situations require a separate policy or an endorsement.

Review when life changes

A renovation, major purchase or change in how you use the home can be a good reason to revisit coverage. Keep your agent informed.