New Homeowner? Avoid These Home Insurance Mistakes

If you’re new to homeownership, you may have questions concerning home insurance coverage. Home insurance protects your home and belongings against theft and unforeseen disasters. Improper coverage puts you at risk of paying thousands of dollars to repair your home or replace your goods on your own. By consulting with Options Insurance Agency in Hershey, PA, you can make wise insurance decisions and avoid costly mistakes like the following:

Choosing the Wrong Policy or Company  

When choosing home insurance, it’s important to shop around and compare what different insurers have to offer. Read reviews of insurance companies online to see how customers rate their services, policies, and prices. Choosing a trustworthy insurance company is just as important as getting a good price on your policy as you’ll have fewer problems making a claim.  

Getting Insufficient Coverage

Your home insurance should save you money by protecting your dwelling and personal goods against theft and disasters. Insufficient coverage could wind up costing you money in paying for damages out-of-pocket. Ideally, your coverage should be enough to rebuild your home or replace your goods in the event of a total loss.

Paying Too Much

Some policies offer non-essential protection that raises the cost of your premium without improving your coverage. At Options Insurance Agency, we’ll personalize your policy to ensure you get the essential protection you need at an affordable cost.

Not Adding Important Coverage

Standard home insurance policies may not fully protect high-end items due to the limits of the policy. By not getting extra protection, you risk losing these items or paying for their replacement yourself in a disaster. Adding important coverage to your policy, when needed, will fully protect your assets.

For quality insurance coverage to safeguard your home and valuables, contact Options Insurance Agency in Hershey, PA.