Select a strong Insurer  Fast, fair claim service is a must when it comes to homeowners coverage.  Ask about the company.
 
 Schedule Art, Fun, Antiques & Collectibles  Make certain all items of this nature are "scheduled" for their worth.
 
 
Don't Guess at Your Coverage  The cost of rebuilding your home might exceed your estimate.  Consult your agent and determine how much you need to build from the ground up.  (In a fire, you could be left with just a foundation). Make Sure You Get Proper Credits  Many policies provide discounts for central and other alarm systems, for proximity to fire hydrants and fire stations ... for proper smoke alarms.
 
 
Don't Under-Insure Yourself  Saving a few dollars up front could cost you a significant amount of money at a time of loss. Check Your Coverage for "Living Expenses"  In the event of fire or other damages to your home, your policy should provide adequate payment for alternate lodging during the period of rebuilding.
 
 
Always Opt for Replacement Value  Unless you insure for replacement cost of household processions, you will be paid only purchase price, less depreciation, for items burned or stolen. Find Out About Excess Liability  Don't take basic liability coverage for granted ... especially if you have "Attractive Hazards" such as a swimming pool or a "frisky" pet.
 
 
Choose an Appropriate Deductible  The higher the amount of a property loss you elect to "Self insure" the lower your premium is likely to be. Don't Ignore Earthquake & Flood Coverage  "It cannot happen here" has cost many a homeowner thousands of dollars and countless grief.  Neither peril is covered under standard policies.
 
 
Ask About "Off-Premises" Coverage  Do not take chances with expensive equipment.  Make sure your insurance covers items in transit and for "Mysterious disappearance". Talk To Us!  We're independent agents representing several companies that want to compete for your business. 

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