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Five Things You Need to Consider About Home Insurance

1/25/2016

61 Comments

 
​You need home insurance. Most likely, your mortgage company wants you to have at least minimum coverage on your home. More important, you need homeowners coverage to protect your dwelling, your belongings and your family. Here are a few tips on making sure your home insurance policy protects the things you need protected:
1. Choose the deductible that meets your budget. A deductible is the amount out-of-pocket that you need to spend before insurance coverage kicks in. While it may be tempting to choose a higher deductible to reduce your premiums, consider how much money you will have on hand to cover that deductible in the event of a loss.
2. Make sure your limits match your risks. Every insurance policy comes with limits. A limit is the total amount your insurance policy will pay out in the event of a loss. Lower limits are usually less expensive, but if a covered loss exceeds the limits you carry, you’ll get stuck footing the rest of the bill.
3. Consider a scheduled personal property rider for collectibles or high-ticket items. This is a way to insure antiques, collectibles, musical instruments and other expensive or irreplaceable items beyond the limits of a standard homeowners policy.
4. Add flood insurance to your policy. Most standard homeowners policies do not cover losses due to flooding or water damage, but the risk is real. Don’t drown in expenses that could have been handled by the right additional coverage.
5. Keep a record of belongings and update it annually. If your home burnt down or you had another homeowners claim, would you know exactly what you lost? In order to make recovery after a covered event as painless as possible, make a video list of your belongings and keep it in a secure location away from your home.
Cotten Coverage Insurance Agency takes your protection seriously. We’re honored to have been named Best Insurance Agency on Long Island for five years. Call today if we can help you with homeowners insurance or any other type of insurance coverage.
61 Comments
Simon Brooks link
3/2/2017 06:44:29 pm

I do like that you encourage people to consider adding flood insurance to their base home insurance coverage. This can be especially helpful if you live in an area that has been known to flood in the past. After all, as the article points out, flood insurance really isn't standard, so it is something you might want to think about before adding it.

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Edward Terragni link
6/25/2017 05:27:58 am

Good tips ! I am agreed with your 1& 4th point i.e. deductible budget should match our pocket and home should be flood insured. This kind of problems can over any time so we should be prepared in advance to face them.

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Ivy Baker link
7/7/2017 05:47:54 pm

I had no idea that adding something like flood insurance can help lower the overall costs of home insurance. I live in a desert and I wonder if getting flood insurance can still help me. It seems like it would be worth looking into.

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Annika Larson link
8/11/2017 03:32:10 pm

My husband and I are recently married and looking to buy our first home. We want to make sure that our home is properly covered with home insurance, and these are some great things to consider. I hadn't thought about the need to add flood insurance to our policy, but like you said, this is a real risk.

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Finley Moreira link
8/23/2017 10:17:48 am

In the article, you made a point how it's important to choose a deductible that you can afford while still allowing for affordable monthly premiums. My wife and I are looking at buying our first home soon, so this will be good for us to consider. Would an insurance agent be able to help us identify what deductible would be right for us?

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Steele Honda link
10/17/2017 03:10:44 am

I totally agree that despite how tempting to choose a higher deductible to reduce your premiums it may be, you should consider how much money you will have available to cover the deductible in case of a loss.My sister is searching for a home insurance, and I will make sure to pass these tips to her. Thanks for the advice!

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Callum Palmer link
12/11/2017 04:21:01 pm

There really is a lot that you have to think about when choosing a home insurance policy, especially if it is the first time that you've ever had to do so. I particularly like that the article recommends getting some kind of flood coverage. After all, most standard home insurance packages don't include this and you won't want to be left without any help if your home ever does flood during a storm.

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Roger Middleton link
2/15/2018 07:32:51 pm

My wife and I have been wanting to get homeowners insurance to make sure we're protected in the event of an accident. I liked that you had mentioned that it can be important to make sure you're covered for anything that you might face. We'll have to start looking around for a company that can handle homeowners insurance and that we're covered pretty thoroughly.

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Jordan link
4/5/2018 12:44:22 pm

My sister has been looking for a good insurance agency. I'm glad you talked about how you should look at how insurance is going to limit your risks. I'm going to have to look into a few good insurance agencies and see what we can do to help her!

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Ashley Maxwell link
5/15/2018 03:43:03 pm

Thanks for mentioning how home insurance will probably have limits. I also like how you said that they should also have good coverage. My husband and I are looking for a good home insurance policy for our new home.

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Aleshire link
7/6/2018 12:05:24 am

It sure was nice how you explained that the limits of the insurance policy should be able to cover the person's risks so that in case something happens, they won't end up shouldering the expenses. I will be sure to let my mom know about this because she is the one who intends to get a homeowner's insurance soon. Since the house is located in a place where storms usually brew, it would be good if she can get a policy that covers storm damages.

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Rosie Beckett link
7/10/2018 11:35:00 am

I recently purchased my first home and I want to find home insurance so that I can have peace of mind that my investment will be protected. It is interesting that you say to make sure your limits match with your risks because every insurance policy will come with limits and I want to make sure that all of my possessions are insured. Also, I appreciate that you say to keep a record of your belongings and update it annually because this will help me to have a record if anything goes wrong.

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Silas Knight link
7/17/2018 03:36:55 pm

My wife and I need to get homeowners' insurance soon, so this is great. I'll be sure to look at the limits we're offered, and compare them to the cost of the things we're covering. I'll happily pay more for the insurance if it means it'll cover everything in the event of a disaster.

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Gerty Gift link
7/18/2018 12:14:21 pm

I appreciate you mentioning flood damage. My friend just had a problem with flood damage and she wasn't covered for it. I think that it would be great to take a look at our policy and make sure that that is something that we include.

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Joy Butler link
7/18/2018 10:53:20 pm

I really appreciate you helping me learn more about home insurance. After reading this, I am going to forward this to my cousin who has just moved into their new house. She's been looking for this even before she bought that property.

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Hector Uba link
7/24/2018 01:03:33 pm

Choosing the right deductible amount is really the first thing you should be doing when looking at a home insurance policy. You want to make sure that you'll be able to afford your deductible so your insurance kicks in the rest of the way. In my opinion, you should also be comparing different companies and seeing who gives the best coverage for the price.

Reply
Sariah Meagle link
7/25/2018 05:59:03 pm

My brother bought a home and he wants to make sure that all of the repairs will be covered in the future. It was explained here that when considering insurance, he should make sure to know his limits. Moreover, it's advisable to consult professionals when planning to purchase home insurance.

Reply
Alpine Insurance link
7/30/2018 01:43:11 am

You are right, we need to consider these five things about home insurance. thanks for sharing this nice blog

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Hannah Neilson link
8/21/2018 04:20:45 pm

I agree that you want to find home insurance that has deductibles that match your budget. Finding something that is properly affordable would really help you know they are right for you. My husband and I are looking for home insurance, so we'll have to check the deductible first.

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Taylor Bishop link
8/24/2018 07:19:52 am

Thanks for going over some tips for getting home insurance. I'm glad that you mentioned you should try to have flood insurance. This sounds very helpful especially since you don't know when a home could be flooded.

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Amy Winters link
9/5/2018 08:15:59 am

Thanks for pointing out that standard home insurance policies don't include flood insurance, so it's a good idea to get that as additional coverage. My husband and I are looking for a new home that will be closer to his work. We've been trying to finalize the components of the home insurance policy, so I appreciate the reminder to get flood insurance as well!

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Gary Puntman link
10/8/2018 08:30:56 am

I agree that you should choose a deductible that matches your budget. That's the first thing you should consider. You need to make sure you can afford the flood insurance. I agree that you should also consider how much money you will have on hand to cover the deductible in the event of a loss. That can determine which coverage you choose.

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Mickael-bellemene link
11/8/2018 01:55:46 am

I've read several articles on this topic over the past few days, but yours is the only one that makes sense to me.I appreciate that you worked hard to make this information interesting and clear.

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Gillain Babcock link
11/12/2018 10:45:21 pm

My sister and her husband bought a home and they wanted to make sure that the future damages will be covered. It was explained here that he should make sure that the limits will match their risks and add flood insurance. Moreover, it's recommended to consult insurance experts when considering home insurance.

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Mike Lee link
12/18/2018 06:45:54 am

I am now getting to the point in my life where I think that insurance is really worth it. Ever since Hurricane Harvey, I have thought that having flood insurance is very important. Something else that I liked from your article was to have an annual video of your possessions. That way you can more easily remember what you have.

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Gillian Babcock link
12/18/2018 04:29:19 pm

My parents moved into their new home and they want to make sure that future repairs and damage will be covered. It was explained here that when considering having insurance, they need to make sure that their limits will match the risks. Furthermore, it's recommended to consult insurance experts when planning to have homeowners insurance.

Reply
Amy Winters link
12/20/2018 12:08:48 pm

I like your suggestion to make sure the limit we choose matches the risks of potential loss, so we don't end up with a loss amount greater than the limit we chose to carry. My husband and I need to get home insurance for our new house. I wasn't sure how to choose a limit, so thanks for sharing the advice to weigh it against potential losses.

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Mark Murphy link
1/3/2019 07:23:20 am

I really appreciate your tip to make sure that your limit matches the potential loss that you might experience. My wife and I recently bought a house that is right next to a lake, and we want to be protected just in case there is any flooding in our basement. I will be sure to access the damage of a flood before we choose homeowner's insurance!

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Mark Murphy link
1/9/2019 10:39:57 am

I really appreciate your tip to include flood insurance to your plan since a lot of basic insurance won't cover water damage. My wife and I have been thinking of getting insurance to help pay for any potential damage that might occur from the lake that is next to our house. I will be sure to check and make sure that we get flood insurance specifically!

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Gary Puntman link
1/11/2019 11:57:06 am

I need to start shopping around for the best home insurance policy. I definitely need something that fits my budget, but offers enough coverage. It's also good to know that you recommend adding flood insurance to the policy. Most policies don't offer that as part of general coverage, like you said.

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Jocelyn McDonald link
1/29/2019 05:34:41 am

My husband and I just moved into our first home together, so your article about insurance for this was very helpful. I liked how you said to add flood insurance, as most standard policies don't cover this. Thanks; we'll keep this in mind when getting home insurance.

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Angelina Brain link
2/6/2019 01:58:55 pm

Amazing post! Really informative and helpful. Thanks for sharing and good luck for more amazing work.

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Camille Devaux link
2/22/2019 03:17:46 pm

I have a sister that is thinking about getting home insurance for her property. She is trying to learn a little more about the policies and what they will mean. It might make sense to look into records of your belongings.

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Gillian Babcock link
2/28/2019 10:54:13 pm

My brother just bought a home and he wants to make sure that he wants to have the right coverage. It was explained here that it will be best to add flood insurance and keep a record of belongings. Furthermore, it's recommended to consult insurance experts for quality home insurance.

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Adrian Jones link
3/13/2019 09:45:00 pm

One of the most important things that a house can ever get is insurance against accidents and disasters like fires, floods, and tornadoes to name a few--and that's hoping that the insurance would be able to cover the entire procedure of getting the house back up to normal after the bad weather has passed. Adding flood insurance to this is one of the things that any sensible homeowner can do because of water damage does pose a very real threat when it comes to the aftermath of a flood. If I had the chance to renew my insurance now I would at least invest in flood insurance so that the water damage can be at least salvageable.

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Hazel Owens link
3/27/2019 01:55:07 pm

That's good to know you should check if the limits match your risks when choosing home insurance. This is helpful since my husband and I are looking to buy a home soon. We'll have to look at different insurances and see which one fits best in the area we live in.

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Ellie Davis link
3/28/2019 07:11:51 pm

Thank you for these tips on getting home insurance. My house is really needing to be insured. I"ll have to look into finding the best insurance possible.

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Silas Knight link
4/17/2019 04:16:14 pm

It's great to know more about home insurance. I love how you said that it's good to find a policy that's limits match our risks. My wife and I want to find good coverage for our new house, so we'll have to shop around!

Reply
Hannah Neilson link
5/3/2019 01:40:10 pm

Thanks for these tips on how to find a good insurance contractor. It would make sense to check if our deductible meets our budget, as you suggest. My husband and I are looking for home insurance, so we'll have to check our budget first.

Reply
Gillian Babcock link
5/24/2019 12:33:53 am

My mom wants to make sure that her home is protected in case of emergencies. It was explained here that it will be best to keep a record of belongings and update it annually. Furthermore, it's recommended to consult insurance experts when in need of homeowners insurance.

Reply
Sam Li link
6/20/2019 10:50:31 am

I love what you said about adding flood insurance to your property. Homeowners insurance is important to your financial stability. My friend just bought a new home, so I'll help him find the best insurance policy.

Reply
Angela Waterford link
7/1/2019 03:30:26 pm

My brother needs a homeowner's insurance for his new home. I think I'll help him find one by choosing the deductible that fits his budget. Thanks for suggesting that the limits will match his risks so that he can get the insurance from an insurance company that matches him appropriately.

Reply
Lourell Jake Layam link
7/17/2019 09:55:35 am

With Insurance we know that Price Counts, Coverage Matters.
We utilize the latest technology to have the insurance company compete for your business. We are often able to find you the best price and the best Insurance coverage.

Reply
Jenna Hunter link
7/24/2019 04:46:15 pm

My mom is looking to get some home insurance to protect her home. She really wants to work with a professional to help her. I'll be sure to tell her that she should choose the deductible that meets your budget.

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Angela Waterford link
8/1/2019 05:27:45 pm

Thanks for saying that I should choose a homeowners' insurance deductible that meets my budget. I think I'll get one from a good company so that I can make sure that its limits match my risks. Maybe I'll add flood insurance in case a flood comes to my home as well.

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Eli Richardson link
8/20/2019 11:03:38 am

We agree that the insurance policy should be able to cover the person's exposure, that way they won't have to worry about expenses. One of my brothers is looking for different insurance because he is not pleased with the one he is with. He'll have to start looking around for a company that will be covered pretty thoroughly.

Reply
Elisabeth Southgate link
9/9/2019 10:37:37 am

I found it helpful when you said that getting a flood insurance with your home owners policy is something that should be consider. I would have thought that it comes as part of home owners insurance. Thank for helping know that flood insurance is usually an extra add on.

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Jay Jorgenson link
9/16/2019 08:55:08 am

My cousin wants to get homeowner's insurance. I like how you mention every insurance policy covers an amount to payout in the event of a loss but you can exceed the limit. Thank you for the information. I'll recommend my cousin to contact different insurance companies and compare their homeowner's insurance.

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rachel frampton link
9/20/2019 03:46:07 pm

My sister wanted to apply for home insurance, but she's unfamiliar with what she'll need to include in her policy. Thank you for sharing this article; it's great that you elaborated on the importance of adding flood to the policy because most of the time homeowners' policies do not cover flooding. It's best if we'll start looking for a home insurance company that'll help my sister throughout the process.

Reply
Jenna Hunter link
9/30/2019 06:14:43 pm

It was interesting to learn about the things you need to consider about home insurance. My aunt is thinking about getting some home insurance. It could be really nice for her to work with a professional.

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Derek McDoogle link
10/2/2019 08:23:33 am

My sister wants to buy a house and she is wondering what she will need once she has it. I like how you suggest choosing the deductible that meets your budget. I will share this article with her so she can have a better idea when she gets to the point of getting her homeowners' insurance.

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Ron Booker link
10/16/2019 01:15:42 pm

I like that you said that you have to make sure that your limit matches your risks. I have a friend that told me that she needed to get home insurance in order to get a house. I'm going to help her look for deals on homeowner insurance companies. http://www.vandyins.com/homeowners-insurance

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David Johnson link
10/22/2019 07:58:34 am

Thank you for explaining right up front that your budget needs to match your deductible, or else you shouldn't get it. My wife and I just moved into a new home, but our neighborhood is prone to different storms like hurricanes. We'll definitely have to get home and car insurance.

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Angela Waterford link
10/29/2019 12:43:32 pm

I've been considering getting homeowner's insurance after I finally purchase my first home. It's interesting to know that a homeowner's insurance policy comes with limits. I think I'll talk to an insurance company about this so I'll know what options I should get.

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Jay Jorgenson link
2/17/2020 06:54:34 am

You made a point about how it's important to choose a deductible that you can afford. My wife and I are looking at buying our first home soon, so this will be good for us to consider. We appreciate you explaining why one must consider homeowner's insurance.

Reply
Charlotte Fleet link
2/20/2020 03:12:45 pm

I like that you mention the importance of knowing what you can afford when it comes to insurance including the deductible you can afford. My husband and I just bought our first house and we want to make sure we are covered in case of an emergency. I think we should find a homeowner's insurance plan that fits our needs and our budget.

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kate hansen link
2/28/2020 10:18:28 am

I found it interesting when you said to take videos of the things you own. My husband and I just recently moved into our very first house a couple of weeks ago, and we are wanting to get home insurance for it in the next couple of weeks. We'll make sure to keep these tips in mind once we find an agency to get insurance from for our home.

Reply
Kristofer Van Wagner link
4/8/2020 02:14:41 am

I appreciate that you reminded us to ensure that our limits match our risks when we are applying for homeowner's insurance. Another thing I am grateful for is the fact that this post encouraged us to take up flood insurance for safety measures. My mother just purchased a new house and when I speak with her, I will remind her of the importance of ensuring she applies for the right insurance.

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Taylor Hicken link
10/5/2020 10:07:29 pm

I appreciate it when you mentioned that choosing the deductibles that suits your budget when buying a home insurance. Since I am planning to buy my own house soon, I am looking for the tips to get the right one for my property. I will keep in mind to choose the one that I can afford before the insurance claim will kick in.

Reply
Adam Golightly link
11/12/2020 11:21:39 am

My aunt has been thinking about getting some home insurance now that she has moved into her new home. She would really like to make sure that she can get the right coverage. Talking to a professional could help her pick the right plan for her. Thanks for explaining how she should consider the risks match the limits with the right policy, and the right deductible.

Reply
Zoe Campos link
1/26/2021 06:48:54 am

Thanks for reminding me to add flood coverage if we were to buy homeowners' insurance. I was talking to my neighbor yesterday and told me that experiencing flood is common in our area. For complete protection, it would be better to heed your advice and ask if they cover fire damages as well.

Reply



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