Homeowners insurance is the single most important purchase you’ll ever make!
But isn’t my home the single most important purchase I’ll ever make? No, and here’s why. Whether it’s your home, an engagement ring, or a new car, the acquisition itself is important. However, the most critical thing is the insurance for it. Because the home is so important to you, it’s even more important that you buy the right homeowners insurance for the new home you’re so proud of. Without the right home insurance, the world is full of situations that could wrest success from your grasp in a heartbeat.
You value your home. You should value your home insurance just as much!
Whether you’re buying home insurance for your first home or the high-value home of your dreams, you need to work with a provider who understands your needs. Effective Coverage can insure nearly any home, but we specialize in first homes for people who have traded apartment life for home ownership. There’s so much to know when you insure your first home and there are so many potential risks. You need good advice and a solid policy.
What Questions Should I Ask When I Buy Homeowners Insurance?
There are many questions you should ask when you buy home insurance, but a good agent will answer several of them before you have to ask.
- What’s the financial rating of my homeowners insurance company?
- How did you arrive at the replacement cost estimate for my home insurance?
- Can I add flood insurance to my homeowners insurance?
- Should I add flood insurance to my homeowners insurance?
- Can I upgrade my home insurance to open perils coverage?
- Does my high-value home insurance already include open perils coverage?
- Do I pay the first year of homeowners insurance at closing? Does my mortgage company pay it?
- If I’m buying a duplex and renting half, do I need a home owners policy, a landlord policy, or both?
- How does escrow work if I change my home insurance?
There are many more questions you should ask about your home insurance, but working with a provider like Effective Coverage makes sure all your questions are answered. Effective Coverage also makes a point to ensure that common questions are brought up proactively even if you don’t remember to ask them. This ensures that your home insurance is customized for your needs and helps you avoid common bad situations.
Effective Coverage will provide you with homeowners insurance that properly insures your dwelling at a price you can afford. Start your quote instantly by completing the information above, and let Effective Coverage work for you within minutes. You can also call (800)892-4308 to speak with a friendly Effective Coverage agent who will help you answer your questions and get your new home covered properly.
5 Reasons To Choose Effective Coverage
1. Homeowners insurance coverage matters.
Your home is probably your biggest asset, which makes insuring it properly a top priority. A homeowners policy with the broadest coverage and sufficient limits will ensure that you are not at a loss if your home is damaged, even in the worst case catastrophe.
2. When your insurance provider has answers, you save time.
We know how home insurance companies can get hot and cold when it comes to insuring certain types of homes. We know how to insure just about any type of home with the right policy and the correct writing company, to ensure you get exactly the coverage you need.
3. Maximum discounts save you money on home insurance.
Smoke detectors, deadbolts, and fire extinguishers are three discounts that you should get with every single quote, but what about the discounts that only an Effective Coverage expert agent can uncover? There are many home insurance discounts that may apply to you, including a bundling discount.
4. Claims service for your home is important.
After a catastrophe, Effective Coverage works with our partners to dispatch mobile catastrophe vans. These vans come with claims adjusters that can help you start the process of identifying the extent of the damage covered by your home insurance and rebuilding your home.
5. We give you personal attention.
Your Effective Coverage agent provides you with premier service to ensure that your current and future needs are being met. This service continues after the initial sale.
Homeowners insurance policies can provide coverage for damage to your home’s physical structure (Dwelling coverage); damage to other structures like a garage or shed (Other Structures coverage); your personal belongings – whether in your home or elsewhere (Personal Property coverage); additional living expenses if necessary in the event of a covered loss (Loss of Use coverage); and your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage).
We can also endorse a piece of jewelry or other collectors items (Valuable Items coverage) to your policy. Contact Effective Coverage at (800)892-4308 to start reviewing your best home insurance options today.