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Best House Insurance
Your house is most likely your most valuable asset. You should take every precaution to protect your investment. If you are the type of person that wants the absolute best coverage for your home, this article is for you. Here are a few "must haves" if you want to make sure that your home and belongings are very well protected.
Purchase an HO5 policy.
The HO5 policy is the best house insurance policy that you can purchase. It will protect both your home and your belongings for the most risks. So even in the case of many freak accidents, such as a deer jumping through your window and ruining your furniture, you are covered.
Purchase all possible water endorsements.
If your HO5 policy does not already come with these then you need to make sure you have the following water endorsements on your policy: Sudden & Accidental Water Coverage, Foundation Water Coverage, Water Backup Coverage, and Continual Seepage Water Coverage. Aside from flood, if you purchase all of these, there is little that can happen to your house that is water-related that is not covered.
Make sure you have full replacement cost on everything.
If you are trying to get the best house insurance coverage possible, you need to make sure that you have full replacement cost on both your home and your contents.
Purchase a flood insurance policy.
Flood insurance policies can be purchased through FEMA, a government organization that protects homes from flood. Fill out our home insurance quote form and make sure to indicate that your quote is for flood.
Purchase an earthquake insurance policy.
If you are in an area prone to earthquakes, you might want to consider getting earthquake insurance as well. Fill out a quote to get an earthquake policy, and top agents will let you know how much earthquake insurance will run cost in your area.
Err on the side of more rather than less coverage.
If you are not sure exactly how much it would cost to replace your home, it is always the safest to err on the side of over-insuring. The best house insurance policies are those that are over-protected, not under-protected.
Schedule valuable belongings on your policy.
Scheduling, or specifically listing, items on your home insurance policy guarantees that you will get full value for these items. It also gets rid of any deductible on those items and often broadens their coverage to include "mysterious disappearance".
Do your due diligence.
If you want the best house insurance, you will need to do your due diligence. Don't buy insurance from a company unless you've had the chance to check its AM Best rating, its Better Business Bureau rating, and had a chance to get testimonials from customers. Although these will not always be an indicator of a good company, they will steer you in the right direction.