Home insurance premiums are a significant expense, and the factors that go into them can be complicated. Let us help you navigate this maze of insurance information. Insurers use loss data claims and construction cost data to look at everything from the weather in a particular ZIP code to replacement costs. 

1. Estimate the Cost of Rebuilding Your Home. To ensure you’re entirely covered in the wake of a catastrophe, you’ll want your policy’s limit to be high enough to cover the cost of rebuilding your home from the ground up. 
   
   
2. Estimate the Value of Your Personal Belongings. The best way to gauge your personal property coverage is to inventory personal property coverage to cover the value of all your personal belongings, including your clothes, furniture, electronics, and jewelry.
   
   
3. Determine Your Assets Common liability claims include slip and fall injuries, dog bites, and accidents. Medical bills, legal fees, and lawsuits can be expensive and can put all of your assets at risk. Have enough personal liability insurance to cover the combined value of everything you own.
   
   
4. Things to Consider When Determining Coverage 

• Your Dwelling
• Other Structures
• Personal Property
• Loss Of use
• Personal Liability
• Medical Payments

If this sounds overwhelming and confusing, call us, and we will guide you to the best policies for you.