If you own a home, it’s vital to insure it, even if insurance is not required by a mortgage holder. Your home is very likely both the most expensive thing you own and the most important thing you own. Don’t treat home insurance like an afterthought. If you know what you’re getting into, getting your home insured could be easier than you think. Just keep in mind what coverage you really need and what policy type would be the best choice for you. 

How To Do It

First, decide how much coverage you need. At a minimum, you will need enough for the replacement cost coverage in case you need to rebuild entirely. You may want to evaluate add-ons and endorsements such as sewer or water backup coverage and scheduled personal property. Equipment breakdown coverage covers your HVAC and large appliances like the refrigerator. If you have a home business, consider home business endorsements. You may also want to consider flood or earthquake insurance, depending on where you live. Make sure to get quotes from at least three companies so that you can comparison shop. An agent will ask a lot of questions about your house, so have the answers ready. After you’ve decided on a policy, all that’s left is to finalize the details. That’s a simple matter of signing the paperwork and making that first payment. Make sure you go over the contract thoroughly. 

The CO Insurance Specialist Serves Wheat Ridge, CO

We at the CO Insurance Specialist, serving Wheat Ridge, CO and surrounding areas, are happy to assist you with any of your home insurance needs. Give us a call today.