Though it may seem like homeowners’ insurance can be quite expensive, the truth is that, when you really need it, you are going to want to make sure that your home is well protected. You don’t want to make any mistakes when it comes to protecting your home (and your future).
So, how can you do that? Here are some mistakes that you need to avoid with your homeowners’ insurance.
Not comparing plans
Many people assume that all homeowners’ insurance policies are created equally. However, that isn’t the case. You need to get prices for several plans and then read the fine print. Some will cover more than others. You don’t want to need your homeowners’ insurance only to realize that you bought a plan that wasn’t very good.
Not having enough insurance for your home
Besides the standard homeowners’ insurance policy, you should consider adding extra insurance to your plan. Even if you don’t live in an area that floods often, flood insurance could save you tens of thousands of dollars in case of an emergency. This is especially important for those that live near water, but it can also be helpful in places that deal with hurricanes and other tropical storms.
You may also want to look into extra insurance in case you end up with sewage backup. Mold protection may also be something that you want to consider. If you have a lot of expensive belongings, you may want to consider buying extra coverage for that. This will help you replace your jewelry, electronics, and other belongings that may get damaged or taken in the event of a theft.
One of the best ways to make sure that you don’t make any mistakes when it comes to your homeowners’ insurance, your best bet is to talk to a professional.
Finally
If you would to like to discuss your options for homeowners insurance please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:30 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.
