Homeowner’s insurance — you can’t live without it. (Well, okay, technically you could as it’s not required by law, but if you have a mortgage, it’s pretty much a non-negotiable). 

You have to buy it anyway, so here are some things to keep in mind when shopping around:

1. Get enough insurance to cover rising construction costs should you need to rebuild.
2. Consider flood insurance even if you think you don’t need it — floods are the most common natural disaster in the U.S.
3. Do you call a disaster-prone area home? Don’t assume you’re covered. You may need endorsements or additional policies. Ask an agent you trust what’s best for your address.
4. Inventory all your stuff. If you ever need to file a claim, an inventory will make the process quick and accurate. 
5. Stretch your liability coverage. Liability coverage is affordable and smart in today’s litigious world. It’ll pay for legal defense and settlements if someone sues you over injuries or property damage.

Want help or a referral for navigating the insurance process? I’m here. Shoot me a message!