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Home insurance is an insurance policy that protects your home structure and property. Your home insurance policy covers damage done to your home, the contents inside a home and the loss of the homes use (personal living expenses while out of your home due to damage). Your home insurance policy will also protect you against liability from an accident that might occur at your home.
Bargain Insurance Connection can also help you secure your valuable possessions under your homeowner policy. You will want to make sure that your homeowner's insurance is placed with enough coverage to replace the house and also replace the contents inside. We can help you determine how much additional coverage above the home's value should be added onto your policy. Some items that will be covered under your policy are:
• Engagement and Wedding Rings • Fine Jewelry • Appliances •
• Furniture • Electronics • Clothing • Valuables •
Damages caused by earthquakes, floods, "Acts of God" or war are excluded from a standard homeowner's insurance policy. Special insurance policies are available to protect yourself from these possibilities, such as a flood insurance policy.
Most individuals borrow money to finance the purchase of their home. The lenders will require a borrower have home insurance as part of the agreement to qualify for a home loan. This protects the lender's investment in the case that the house is destroyed. Your home insurance payment and mortgage payment are often rolled into one bill so the lender can ensure that the borrower is paying the insurance premium.
Lowering your home insurance rates is not the easiest task in today's market, but by following the below tips you can take control of your home insurance costs and start saving money. At the same time, cost should not be the only factor considered when comparing home insurance policies. It's important to understand the coverage you will be receiving for the price and determine if it fits your personal needs.
One the most important ways to save money on your homeowners insurance is to comparison shop. Bargain Insurance Connection will provide you with a free homeowners quote from several of the top insurance companies. This makes the shopping and comparing your home insurance easier than ever – we do the research and work for you!
By having your home and car insurance with the same insurance company, you may qualify for additional discounts. Your local Bargain Insurance Connection agent can review with you which companies offer this type of discount and discuss your options.