Online quote tools and insurance websites make it easier than ever to get homeowners insurance prices and policy details, but how do you choose the right one? As most peoples’ most valuable asset, you’ll want to make sure home is protected against the unexpected. Below are a few things every homeowner should know before selecting a policy.

4 Tips for Buying Homeowners Insurance

1. Ensure You Have Enough Coverage to Rebuild

Many homeowners insurance policies are based on fair market value, which is the price the average buyer would be willing to pay for the property. However, in many areas this won’t be enough to rebuild if your house is destroyed, so most homeowners should choose policies based on the actual replacement value.

2. Check the Coverage Limits

In addition to covering the structure itself, your homeowners insurance policy will also pay for your personal belongings, fences, and vehicles parked on the property itself. However, for especially valuable items, like jewelry or artwork, you may want to extend their coverage limits to ensure your prized possessions are protected.

3. Check the Exclusions

Some homeowners insurance policies only cover specific perils, while others protect you against any threats except those that are specifically excluded. Before buying a policy, make sure you understand what it covers, and more importantly what it doesn’t.

4. Talk to an Agent

Getting quotes may be easy, but understanding what policies are best for you often requires the expertise of a professional agent. Independent insurance agencies work with a select group of carriers, giving them a wide range of options to choose from.

Since 1986, Grachek Insurance has offered homeowners throughout the Flathead Valley and surrounding areas an easy, trustworthy way to buy insurance. As a local, family-owned agency, they pride themselves on offering superior customer service and personalized attention to every client. Visit their website for more on their homeowners insurance services, follow their Facebook for more tips and updates, or call (406) 755-4000 to request a free homeowners insurance quote.