Homeowners insurance protects the most valuable assets most families possess, but choosing the right policy can be confusing. A single error or minor oversight can leave you without enough coverage to cover damages after a disaster, which many homeowners don’t discover until they try filing a claim. The do’s and don’ts below will help you choose a policy that provides the protection you need while keeping your premiums as low as possible.

Do

Talk to an Agent

While online tools make buying insurance seem easy, most homeowners will benefit from the personal touch an agent provides. After evaluating your situation, an insurance agent will recommend a policy covering your home and personal property while protecting your other assets from liability claims.

Choose Full Replacement Value

Homeowners insurance policies are either based on the price a property would go for on the market or the cost of building a new home from scratch. In most areas, opt for a policy based on the full replacement value to ensure you’re properly compensated if your home is destroyed by fire, severe storms, or another covered event.

Don’t

Choose a Policy Based on Price Alone

A discount policy may seem like a great way to save money, but there are several other factors to consider. Before purchasing, investigate the carrier’s reputation for a quality customer and how quickly they respond to valid claims.

Forget to Shop Around

Every year, compare prices from different insurers to ensure you’re getting the best deal. Many carriers offer significant discounts to customers who bundle several policies together, so you could save a significant amount of money by changing companies.

As an agent with over 15 years of experience representing one of the nation’s leading carriers, Steven Hall with Farmers Insurance provides a wide range of products and unbeatable customer service. We’re dedicated to giving Mountain Grove, MO, homeowners the detailed guidance they need to protect themselves and their most valuable investments from the unexpected. Follow us on Facebook for more tips and advice. You can also call (417) 926-7900, or visit our website to request a tailored homeowners insurance quote.