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Many first-time homeowners simply purchase the most affordable home insurance policy that meets their lender's requirements and leave it at that, without knowing exactly what it covers or how much protection it provides. Since 1960, Kramer-Myers & Werring-Dickerson Insurance has helped thousands of homeowners get the home insurance they need, so they would like to explain a few things every first-time buyer should know.

When purchasing a home insurance policy, keep these three things in mind:

  • Home Insurance Is A Bundle: In addition to safeguarding your home and the structures on your property from damage, your home insurance policy includes liability coverage to protect you against lawsuits filed by visitors who might get hurt on your property.
  • home insuranceYour Policy May Not Fully Reimburse You: In most situations, you're better off with a home insurance policy that covers the full replacement value of your home. Other policies that offer full market value will only protect the interests of the bank and may not provide enough to rebuild your house if it's destroyed.
  • Some Types Of Damage Are Excluded: Make sure you know what types of damage are covered and what's excluded from your policy. Many homeowners assume they're protected against everything, only to be disappointed when they go to file a claim.

With over 50 years of experience and a broad array of some of the best insurance products on the market, Kramer-Myers & Werring-Dickerson Insurance's team will ensure that you have all the coverage you need to protect what's most important to you. Learn more online, or request home insurance quotes and make an appointment over the phone by calling (513) 732-1461 today.

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