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Your home is one of the largest financial decisions you'll ever make, so you want to take the right steps to protect it. Unfortunately, some homeowners don't put much thought into their insurance policy until it's time to file a claim and they discover their losses aren't covered. Zimmerman Insurance Agency, an independent insurance provider based in High Point, NC, takes pride in helping their clients select policies tailored to their needs.

When shopping for a homeowner's insurance policy, they recommend considering:

  • Replacement Value: If your home is damaged or destroyed in a fire or storm, will your homeowner's insurance pay enough for you to rebuild? Some plans only offer the fair market value for homes, which may not provide enough to replace what you've lost.
  • homeowners insuranceFlood Risks: As the recent flooding in Baton Rouge has shown, you don't have to be in a flood zone to lose everything. In fact, over half of the homes destroyed in that disaster were not in “high-risk” areas. The standard homeowner's insurance policy excludes water damage, so talk with your agent about whether you should purchase additional flood insurance.
  • Coverage Limits: Most policies include some coverage for personal property lost due to a natural disaster or theft, but there are some limits for especially valuable property. If you have expensive jewelry, electronics, or art, you may want to consider purchasing a more wide-ranging policy.

Since 1963, Zimmerman Insurance Agency has been helping clients protect what matters most to them. Because they maintain relationships with a variety of carriers, they can offer you a homeowner's insurance policy tailored to your needs at the best rates available. Learn more about their services and request a quote online, or call (336) 883-6512 to make an appointment with one of their agents today.

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