For first-time homeowners, purchasing homeowners insurance may be a scary thing. Everyone needs protection against liability for accidents that injure other people or damage their property. Ensuring you and your home is well taken care of is just part of the process and you’ll be glad you are covered in case something happens to your home.

What Should I Think About When Buying Homeowners Insurance?

Once you’ve purchased your home, you’ll have to determine what kind of homeowners insurance you need. Don’t worry, this part of being a homeowner is pretty straightforward for the most part. The basic things are determining how much coverage you need based on your home’s value and the value of your possessions. Here are some basic things to remember are you are looking at different policy options: 

  1. Compare deductibles 

Your deductible is the amount you have to pay out of pocket on each claim. A policy with a lower deductible will cost more, but if you aren’t comfortable paying a higher deductible and would rather pay more over time rather than upfront, it may be worth it to you. 

  1. Make sure you’re getting adequate coverage

Don’t pay for coverage you don’t need. This is a huge mistake new homeowners can make and it ends up costing them big time. So double-check your level of coverage. 

  1. Shop around before you buy

It never hurts to get more than one look at different insurance companies and policies. Purchasing homeowners insurance is important and doing your research in the beginning will help you find the right policy for you. 

Where Can I Buy Homeowners Insurance?

The best way to start shopping for homeowners insurance is to make a simple Google search. Local insurance company websites can help you get a basic understanding of what options are available to you. You can also use estimating tools to help you estimate what your cost will be. Although it may not be one-hundred percent accurate, it can help give you a general idea of what to expect. You can also always work with an insurance agent to help you find the right coverage, as well. Professional insurance agents can be an invaluable resource for new homeowners picking out homeowners insurance for the first time. 

If you are a new homeowner looking to remodel your new space, give us a call! At‌ Ascension‌ ‌General‌ ‌Contractors‌,‌ ‌we‌ ‌are‌ ‌a‌ ‌full-service‌ ‌general‌ ‌contractor‌ ‌and‌ ‌repair specialists, proud‌ ‌to‌ ‌serve‌ ‌the Nashville‌ community. We’d love to discuss how we can help you get the home you’ve always dreamed of.

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