Best Home Insurance Tennessee
AmeriAgency Has The Best Home Insurance Tennessee
Shopping for Homeowners Insurance Checklist If you’re buying a new home, you should start thinking about homeowners insurance before you find a house and begin shopping for coverage as soon as you enter into a contract.
Determine how much coverage you need. Buy enough coverage to replace your home if it’s destroyed. Talk to your insurance agent to determine how much coverage you need.
Know your credit score. Companies may consider your credit score when deciding whether to sell you insurance and at what price. They cannot deny coverage or non-renew a policy solely because of your credit score, however. Visit www.helpinsure.com/ to learn which companies consider credit score.
Gather information about the house. You’ll need to know the square footage, the number of bathrooms, the materials used for the roof and exterior walls, the age and condition of the house, and the condition of decks, patios, garages, etc. These are items that help determine how much you’ll pay for coverage.
Find out if the house is in a designated flood plain. Visit www.floodsmart.gov/
Have the house inspected by a professional inspector before you buy. An inspection helps identify potential problems. Don’t buy a house unless you get a satisfactory inspection report. Give a copy of the inspection report to your insurance company.
Decide what coverages you need. Homeowners policies typically cover the house and outbuildings; personal property; additional living expenses if the home is damaged by a covered loss and unlivable during repairs; liability protection; and medical bills for people hurt on your property. Policies and level of coverage can vary by company. Read the policy carefully to know exactly what’s covered.