Searching for homeowners insurance is not the most exciting part of buying property, but it’s certainly essential. However, many buyers wonder if they need an agent to get the ball rolling. While you might not have needed an agent in previous years, the homeowners insurance landscape has changed over time. Here are just some of the reasons why it pays to secure an agent to help you find a policy.

3 Reasons to Find an Agent for Homeowners Insurance

1. You Want Coverage for Your Roof’s Appearance

While the safety of your home might be the first goal of this policy, you’ll likely care about its appearance too. Unfortunately, if your roof or siding is damaged, a standard policy will only pay for the flawed area. If it’s been years since the roof was installed, the manufacturer may no longer make that exact color, shape, or texture. To avoid getting stuck with a mismatched roof, discuss this concern with your homeowners insurance agent.

2. Policies Have Changed

If you purchased a policy in the past, you may assume you have a handle on the shopping process. However, coverage has changed in recent years, and some policies will only cover the depreciated value of your roof or siding damage. In other words, the compensation you receive is based on how much value the item lost with age. Instead of this, you want to find a policy based on the replacement cost, so you don’t have to pay out of pocket if your home is damaged.

3. Your Coverage Can Be Customized

When you work with an agent, you won’t have to choose from run-of-the-mill policies that leave out some of your unique needs. If there are any irregularities about your household, such as a trampoline in the backyard, or a detached guesthouse, you’ll want to customize your homeowners insurance policy. Luckily, an agent can help you choose these add-ons, so every aspect of your home life is covered.

If you’re hoping to find a homeowners insurance policy that covers your bases, reach out to Daniel Oliver Insurance Agency in Edina, MN. Mr. Oliver will be happy to sit down with you and go through every detail of your coverage checklist. In fact, he might suggest add-ons you didn’t know you needed. If you’re looking for life, home, business, or car insurance, visit his website for more information. You can also call (952) 925-4454 to ask for a quote.