What should I look for in a home insurance policy?

If you own your home and live around the Ammon, ID area, then you are probably aware pf just about everything that could go wrong or being damaged on your biggest possession.  The insurance agents at Insure it All have seen tornados, fires, acts of crime, and a lot more happen to homes just like yours.  Fortunately, that experience has made them in experts in what you need to protect yourself and your family.  If you’re in the market for a new insurance policy, be sure that you pay attention to these three key points.

  1. Get enough coverage.  One of the most common mistakes people make is to underinsure their home.  This is usually because people tend to underestimate repair costs.  Trust your agent to know what the average repair costs are in Idaho.  Make sure your policy provides enough funds to replace the structure and everything in it.
  2. Update regularly.  Every time you buy a new appliance or jewelry you need to update your policy.  The same is true if you have done any type of structural improvements on the house.   Use the opportunity to shop around and find a better rate on your insurance. 
  3. Consider your replacement cost.  After a disaster, you’ll have to replace everything you lost.  Unfortunately, many policies only give you funds for the value of the items you lost.  If you have older appliances or you lost a lot of possessions, that amount can be thousands less than what you need to get back on your feet.

If you’re thinking about getting a new homeowner’s policy, or if you just want to save money on the policy you already have, call the agents at Insure it All.  They have years of experience helping Ammon, ID residents find the insurance policy that meets their needs.