While it’s common knowledge that home insurance is a must to protect your most valuable investment, many homeowners are unaware of just how much coverage they actually need. To determine the right level of insurance for your home, you’ll need to find a skilled and knowledgeable agent. In Andalusia, AL, Tim Bryan Insurance can do just that for local homeowners, which is why so many depend on this agency when seeking trustworthy home insurance products.

Structure

When insuring your home itself, there are several considerations you must make. For instance, you’ll need to factor in rebuilding costs if your home sustains extensive damage. The age of your house may also play a role, especially if your home is older. Older homes typically fall short of current building codes, and as a result, you may need to make many updates while repairs are underway. Additional rebuilding costs to consider include how many rooms, exterior construction, and any improvements that have been made.

Belongings

Your possessions can also be protected under homeowners’ insurance. To determine how much coverage you need, first, make an inventory of all your possessions. Next, you’ll need to decide whether you want to insure your belongings based on cash or replacement value, which tends to cost more than cash value. Be aware however that coverage for more expensive items, such as jewelry, usually entails limitations.

Other Considerations

You may also be interested in supplemental insurance policies for a deeper level of protection. These include additional living expense policies, which offer coverage for a temporary dwelling if your home is damaged by fire or other catastrophes. You might also implement a liability policy, which protects against lawsuits against you, or an umbrella policy, which picks up after a liability policy has been exhausted.

Life is unpredictable at best. Let Tim Bryan Insurance help you safeguard those things that matter most, from your possessions to the well-being of your family. Schedule an appointment with a skilled Andalusia home insurance agent today by calling (334) 222-1460. You can also follow Tim Bryan on Google+ to stay up-to-date on all the latest happenings.