Owning a home may seem like a stressful endeavor. Whether you are a first-time homeowner or you are very experienced with the housing market, choosing the right home insurance ensures that you are protected no matter what the circumstances. Ron Nall Agency in Andalusia, Alabama knows how significant the choice of house insurance is for you and your family.
Ron Nall has tons of experience with homeowners and renters alike. He offers these tips on when to get house insurance:
- If You Own A Home: Buying a home is one of the largest investments you can make in your life, so protecting it and your personal property inside is essential. There are several types of home insurances to choose from, the main differences being in their levels of coverage. HO-3 Special Form is the most popular and comprehensive for single-family homes. Ron Nall Agency can work with you to decide what deductibles and coverages work best for you. Having an active home insurance policy will bring you peace of mind. Although you can't predict disaster, you can relax knowing you are protected in the event of a storm, fire, theft, or other unexpected life events.
- If You Own A Condo: Owning a condo can offer a variety of challenges, especially if you are unaware of the condo association's home insurance policy. Sometimes only the common areas of your building are protected, leaving the property owner responsible in the case of a major crisis. At Ron Nall Agency, they offer a number of options which will allow you to protect your assets.
- If You Rent: One of the gravest mistakes renters make is giving up their right to insure their home and their belongings. Although most landlords likely have insurance to cover any structural damage, it is very rare that those policies will cover your personal possessions. So it's important to get renter's insurance to protect against the event of a break-in or a fire. Also, if an accident occurs on your property, rental insurance could offer relief in the case of a liability lawsuit.
Ron Nall Agency is the neighborhood choice for Andalusia, Alabama residents. Over 80% of future clients over-estimate the cost of insurance, so sitting down with an experienced agent today will help manage the risks that come with owning your home. To schedule your appointment, call (334) 222-3106 or visit Ron Nall Insurance Agency online for more information.