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Whether you’re buying a house for the first time or shopping around for better coverage, having the right homeowners insurance is crucial to protecting your property and belongings. When looking at different policies, gathering quotes is the best way to determine what kind of coverage will meet your specific needs. Before deciding on a policy, consider the following information regarding insurance quotes.

A Homeowner’s Guide to Insurance & Quotes

Who lives in the home being insured?

When working up a quote for your homeowners insurance, you may be asked who else will be living in the home. Providers take into account how many people will be living there, whether you have pets, and if anyone will be running a business from home. This helps companies determine the amount of coverage you will need due to the living and working nature of the home.

What are the features of your house?

homeowners insuranceInsurance providers will consider the condition of your home and any large features you have, like a garage or finished basement. The overall state of your property and its replacement value will help determine the cost of replacements or repairs if extensive damage, like a fire, occurs. Other home features could require additional coverage protection, like if you experience flooding in your basement.

Have you made improvements to the home?

Whether you were upgrading to new technology or replacing old or broken equipment, your policy will be altered by any updates you’ve made to major systems. Recent improvements to large structures like heating and cooling units will increase the value of your home. This means you may need more protection to cover potential repairs and could call for higher monthly premiums.

What kind of belongings do you have in the house?

Many policies cover the theft or vandalism of belongings in your home. When obtaining a quote, the insurance provider will want to know about any valuable antiques, electronic equipment, or other expensive items you currently own so that they can provide the right amount of coverage in the event something needs to be replaced.

 

If you’re looking for a homeowners insurance policy that offers you the comprehensive protection you need, consult the team at Northern Kentucky Home Insurance Company in Alexandria, KY. This company has been in business since 1901. From home and rental insurance to mobile home and property coverage, these professionals provide policies for a variety of purposes. To learn more about this company, visit them online or call (859) 635-2500.

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