It is important to protect your Dawson Springs real estate with good homeowner insurance. Do not leave this important detail until the last minute when it is almost time to close on your new home. Start shopping around early, preferably as soon as your purchase offer is accepted. Giving yourself a little extra time to shop around and do some research means you can usually get a better deal.
Before starting to get quotes for homeowner insurance on Dawson Springs real estate, you will need to gather some information about the house. You will need to know the address, the year the home was built, what type of roof the home has, what the square footage is, the age of the plumbing and electrical systems, and if any claims have been filed in the past five years. The insurance agent will need all of this information, as well as locations and distances of fire hydrants and fire departments.
Ask About Discounts to Get a Good Deal on Insuring Your Dawson Springs Home
With all of this information, the insurance agent can decide if their company will insure your Dawson Springs home and give you a quote. Shop around and get quotes from a few agents. Know that the cost of the coverage will depend on many things. The premium will be lower if you choose a higher deductible. However, some mortgage companies will not allow you to go beyond certain deductibles.
Be sure to chat with your agent about customizing the policy to fit your particular needs and choosing the right limits for things like replacement cost and liability. Get a quote from your auto insurance company to add homeowners to utilize a multi policy discount. Also ask about discounts for things such as security systems or for being a senior. Once you’ve chosen a policy, review it every few years with your agent to be sure your coverage still reflects your situation. It also never hurts to get a two or three new quotes every few years to make sure you are still getting the best deal.