For first time homeowners or for those who have never really taken a serious look at their Homeowners insurance, determining what Homeowners insurance coverage you need can be a trying time. One of the most important tips to keep in mind when determining what type and how much Homeowners insurance you need is to make this determination before you get started talking with an insurance agent.
It is extremely easy to get sucked into buying extra insurance that you will never use by a sly talking agent on the phone. This doesnt mean that you shouldnt take an insurance agents advice at all, but just be certain of a ballpark figure for the type of coverage and the amount of coverage you need and want before you get started.
One of the first questions an insurance agent will ask is the value of the home being purchased. This simply means the basic exterior and interior value of the home as it is when you purchase it, without belongings. Remember that an insurance agent should ask specific questions regarding the exterior of the house, such as whether it is brick, vinyl siding, wood or a mixture, as well as questions regarding a porch, deck or sunroom.
Insurance...