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Agency Blog

Tips You Should Know When Purchasing Homeowners

6/2/2017

37 Comments

 
Picture
​It can be a real challenge to buy homeowner's insurance, especially for new home buyers. Here are five tips so you can understand the type of homeowners insurance that will fit your needs.
​1) Be Smart About Paying Insurance
 
Talk to your policy provider regarding the payment plan that will work best for your budget. If you have a mortgage, most of the time the lender will handle your insurance through your escrow account to make sure the home maintains insurance. Sometimes this is preferable as paying the annual premium in full will give you discounts versus paying month-to-month. However, don’t let your mortgage company pick your insurance company in the process of buying a house. You can always pick your own insurance, even if the mortgage company is paying the bill.
 
2) Protect Yourself by Taking Extra Measures
 
Take more steps to make sure that your home is well maintained, install a home security system, use deadbolts, update your electrical wiring, make sure that the heating system is fully functional and current so you can save on insurance costs and get policy discounts. If you live near the police department or fire station, you may be eligible to get more savings.
 
3) Determine Your Needed Coverage Type
 
You may save time when you buy homeowners insurance if you first figure out what kind of coverage will suit your needs. There are many types of homeowners insurance coverage, designed for different types of houses and situations. Your agent will know the type of policy you need, and help you determine how much coverage you should have.
 
4) Know The Value of Your Policy
 
Know what type of coverage amount you are checking out. You can determine this by estimating your home's value and how much the various repairs will cost. Your agent should be able to estimate the rebuild cost of your home to make sure you have enough coverage.
 
It’s pretty common to have a replacement cost that’s different than the amount you paid for your property. The reasons for this vary, but remember that your land is not included, and replacement cost can vary over time as the cost of materials and labor fluctuates.
 
5) Take Inventory Of Your Belongings
 
Make a list of your possessions including their value. A lot of people have thousands of dollars of belongings that you might want to replace or get compensation for if they get destroyed, lost, or stolen. The purchase of home insurance is more than just the building. If you don't remember the cost because of the lack of receipts and other records, get help from a professional appraiser to complete this task.
 
At the Brad Spurgeon Insurance Agency Inc. we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at 1-409-945-4746 or Click Here to request a free quote.
37 Comments
steele honda link
7/15/2019 03:56:36 pm

Thanks for pointing out that there are many types of homeowners insurance coverage designed for different types of houses and situations. My husband and I just bought a house and we are trying to figure out the best type of homeowner's insurance for our us and our home. I think that it would be smart to do some research on different policies and narrow down which ones would be right for us so that we can consult with an insurance agent and make sure that we can get the right policy for our house.

Reply
Callum Palmer link
10/1/2019 05:49:50 pm

Once we buy a house, we'll for sure need to get insurance. As you said, we should protect ourselves by adding some extra policies. I'll just be sure to add some that will complement where we live.

Reply
Eileen Benson link
10/8/2019 09:15:34 am

I'm glad you mentioned that we need to take inventory of our belongings. I need to get home insurance for my new house. Your tips should simplify the process of finding the right coverage!

Reply
David Johnson link
10/11/2019 02:51:15 pm

Last week, I started looking at buying a new house. Thanks for explaining that you need to determine what type of coverage you want. I'll have to do that as I look for homeowner's insurance.

Reply
Insurance Companies Texas link
10/16/2019 07:21:37 pm

Welcome to West Texas Insurance Agency! We are a multi-line agency offering competitive personal and commercial coverage throughout Texas. Our agency is staffed by proven insurance professionals committed to providing our clients with highly personalized service. Starting modestly as an insurance company in 1995, we have continued to deliver integrated insurance policies and today, we are recognized as a giant in the Texas insurance industry.

Reply
Ron Booker link
10/23/2019 11:01:53 am

I like that you said that lenders usually keep an escrow account to make sure the home maintains insurance. My dad told me that he was injured at work and he was worried about not being able to make the insurance payment for the month. I'm going to help him check if he has an escrow account that can cover him for the month.

Reply
Angela Waterford link
10/25/2019 08:16:31 am

I'm considering if I should buy a homeowners' insurance policy for the home that I'm going to live in. Thanks for the tip that I should talk with the provider if they can set up a payment plan that will work best with my budget. I think I'll look around to see if there are any policies I can afford so I can compare them.

Reply
Skyler Williams link
10/30/2019 11:11:10 am

I like your tip to take inventory of your belongings when you're purchasing homeowners insurance. My sister is moving to another home soon and she needs to purchase insurance for it. I'll pass this tip onto my sister so she can accurately know the value of her belongings.

Reply
Kin link
11/7/2019 11:04:40 pm

Thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post. If you hurt someone or damage their property, your homeowners insurance offers financial protection if you're found to be legally liable.

Reply
Ellie Davis link
11/12/2019 01:24:01 pm

It's interesting to know that you need to figure out what type of coverage you will need if you are looking for homeowner's insurance. My brother is buying his first house, and we are looking for advice to help him find the best homeowner's policy. I will let him know about the benefits of knowing what he needs to help him find the best coverage for his house.

Reply
Luke Smith link
12/5/2019 12:21:34 pm

You're right about saying that I should determine what type of insurance do I need or my family needs, so it'd be easier to filter my choices later on. It seems like finding an insurance company that can give me other benefits rather than the usual ones is one of the factors that I should consider. Since my parents plan on moving to the other side of the state, they should start thinking of the insurance coverage that they want to get.

Reply
Tyson Coolidge link
12/10/2019 10:06:57 am

I like what you said about talking with your insurance provider to find a payment plan that will work best for your insurance. My brother has been telling me about how he'd like to get some insurance for his home to protect him from damages. I'll share this information with him so that he can look into his options for professionals who can help him with this.

Reply
Kate Welling link
12/30/2019 01:35:13 pm

It makes sense that we would want to take inventory of our belongings. I could see how this would help a lot when deciding on insurance. I need to get homeowners insurance, so I will remember this for when I apply.

Reply
Tori Raddison link
1/8/2020 12:52:04 pm

It's a good idea to use deadbolts and other things like that to make sure your home is safe. Having insurance is important, but not having to use it is even better. I'll be sure that everything is up to date and my house is secure.

Reply
Vivian Black link
1/20/2020 05:34:49 pm

I love that you talked about determining your needed coverage type and how that fits your budget. My husband and I are looking for homeowners insurance to cover anything that happens to our home. We will keep these tips in mind as we search for a professional that can help us out.

Reply
kate hansen link
2/10/2020 11:41:45 am

I like how you said to get the best payment plan for your budget. My husband and I just recently moved into our very first home a couple of weeks ago, and we want to get insurance for it as soon as possible so that we can be protected. We'll make sure to keep these tips in mind as we search for homeowner's insurance policies.

Reply
Daphne Gilpin link
3/10/2020 12:50:07 pm

Thanks for explaining that good insurance agents will be able to help us determine the cost of rebuilding the home so we can get adequate coverage. I want to buy a small townhome in the area later this year now that I have a stable job. I'm glad I read your article and learned how to identify a good home insurance agency to work with!

Reply
rachel frampton link
3/17/2020 05:22:50 pm

I was planning to purchase a house, but of course, I would like to be secured, so I'm also planning to buy home insurance. I'm glad you mentioned this; I'll make sure to determine first the type of coverage that'll suit my needs. Also, I'll see to it that my home's value will be estimated, so I'll know the type of coverage amount that I'm checking out.

Reply
Taylor Anderson link
3/20/2020 10:59:47 am

I've been thinking of getting a home, but I know I'll also need homeowner's insurance. I like how you mentioned that some insurance plans have payment plans to make them more affordable. Thanks for all the great tips on getting homeowner's insurance.

Reply
David Mayers link
4/1/2020 05:52:50 am

This is a very informative article.Future home owners can get pointers from here.

Reply
Nelson Fogerty link
5/5/2020 10:51:33 am

It's good that you point out that homeowners insurance can help protect you financially in the event of unexpected damage to your home. I just bought my first house, so I'm considering buying some homeowners insurance for it. I'm going to look for a good company in my area that can sell me some homeowners insurance.

Reply
Alec Burns link
5/27/2020 12:44:19 pm

It's valuable that you point out that homeowners insurance can cover you financially in case your belongings are stolen or destroyed. I'm buying a new house with my wife soon, so I'm thinking about buying some homeowners insurance. I'm going to search for a reputable business in my area that can sell me some homeowners insurance coverage.

Reply
Franklin White link
6/23/2020 09:33:40 am

Thanks for explaining how you should always pick your homeowner's insurance company and not the mortgage company. My wife and I want to buy a house this summer. I'll look at different insurance companies and their deals before we choose the house we want.

Reply
Patrick Ross link
7/7/2020 07:20:43 am

I like what you said about making sure that your home is well maintained so that you can save on your homeowner's insurance. My sister wants to make sure that she's saving money in the coming months. I'll share this information with her so that she can look into her options for homeowner's insurance that can help her with this.

Reply
Kristofer Van Wagner link
8/9/2020 12:24:46 pm

You make an excellent point that it is important to know our policies before make a purchase on home insurance. My sister is planning to purchase her first home. I will remind her to read the policies before deciding on a premium.

Reply
Fred Gibbons link
8/13/2020 11:33:22 am

It's valuable that you point out the fact that homeowners insurance can cover you financially in case your possessions are destroyed. My wife and I are thinking about buying our first house together this year, so we should probably purchase some homeowners insurance too. I'm going to search in my area for a reputable business that can sell us some homeowners insurance.

Reply
Jon Westrom link
9/22/2020 10:24:09 pm

Nice Tips! Thanks for sharing your tips for purchasing home. It is very helpful for people for purchasing home.

Reply
Kristofer Van Wagner link
10/5/2020 09:55:06 pm

Thank you for sharing that when applying for home insurance, it is important to look into what they cover. I do agree that this is important because our house needs to be well protected, such as from natural disasters. I am planning to buy a house, and I will definitely keep this tip in mind.

Reply
Taylor Hicken link
11/18/2020 08:23:30 pm

It's interesting to know that there are several types of homeowner insurance and it is best to figure out which one suits your needs. My wife and I are thinking to purchase our own property next year as we both will be getting salary increments and we can finally afford to buy one. I will keep in mind to choose the one that suits best for my new house so it is fully protected.

Reply
Chris Pederson link
4/16/2021 04:30:06 pm

You brought up a great point about how your purchase coverage for more than just the building when you get home insurance. Some people might think the house is the most important part. But everything inside of it is what makes it your home.

Reply
wade joel link
6/1/2021 04:46:56 pm

It's interesting to know that installing a home security system can help you to reduce your insurance premiums. My wife has been thinking about how to improve our house insurance coverage, and we are looking for advice about what to do. I will make sure to contact an insurance agent to help us.

Reply
Ralph Clark link
6/7/2021 05:31:27 am

Thanks for pointing out that there are many types of homeowners insurance coverage designed for different types of houses and situations. My wife & I just bought a house and we are trying to figure out the best type of homeowner's insurance for our us and our home. I think that it would be smart to do some research on different policies and narrow down which ones would be right for us so that we can consult with an insurance agent and make sure that we can get the right policy for our house.

Reply
Charlotte Fleet link
6/23/2021 02:42:34 pm

My sister and her husband moved two months ago into a new home and they still need to purchase homeowners insurance. l am glad you mentioned how it can save you time to determine the kind of coverage you need first. I'll have my sister and brother-in-law do research to figure out the type of coverage they want so they can find the best insurance plan.

Reply
Beverly Minyard link
8/14/2021 09:26:59 pm

I like that you mentioned making a list of your possessions and their values. My wife and I are trying to get a new insurance policy and want to get protection for all our belongings as well. We will be sure to make a detailed list of our possessions and their values before searching for a new policy.

Reply
Tex Hooper link
9/29/2021 03:55:14 pm

I love your insurance tips. I need to get a new policy. My current policy is too expensive.

Reply
Mia Evans link
12/29/2021 05:26:24 am

Thanks for pointing out that we need to know what kind of coverage we would actually need to save time. I will keep that in mind and ask for advice from homeowners' insurance professionals. I would like to avoid mistakes and also maximize the coverages that I can get, since I have been saving up for this purchase and have my own home for the past three years. So I want to choose the best options for my family and I.

Reply
Tex Hooper link
4/27/2022 06:54:42 pm

I like your insurance tips. I need to get a new policy. My current one is too expensive.

Reply



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