Your home is probably your most valuable asset, and without adequate house insurance, you might be vulnerable to dramatic losses if it's damaged or seriously destroyed. However, many homeowners simply pick an insurance company and stick with that policy for years, only discovering shortcomings in their coverage when they try to file a claim. Ron Nall Insurance Agency, an agent serving Andalusia, AL, wants to make sure everyone has the home insurance they need, so follow these tips next time you're shopping.

• Collect information. Insurance companies base their quote on the risk factors of your home, including the age of the electrical and plumbing systems and the material of the roof. When making upgrades and repairs, consult with your agent to find out whether you could qualify for any discounts.
• Insure your valuables. Most homeowners believe they have enough coverage, but your homeowner's insurance policy only covers some of your household belongings. If you have valuable items like precious jewelry or rare coins, talk to an insurance agent about purchasing an additional floater policy specifically to protect those items. This is also true if you're shopping for renter's insurance.
• Get enough coverage. The majority of homeowner's policies cover your home's market value, the amount a buyer would pay for your home today, not the replacement value. The relationship between market value and replacement value varies a great deal, but in some cases the insurance payment may not be enough to fully replace your home.

To make sure your most valuable belongings are adequately covered, visit Ron Nall Insurance Agency online or call (334) 222-3106 to get insurance quotes from an industry expert.