What to look for when it comes to home insurance

If you own a home in the Groveport, OH area, then you probably already know about everything that could potentially go wrong with your biggest possession.  From tornados to fires, the insurance agents at Keystone Insurance Agency LLC have seen just about everything go wrong with a house.  Fortunately, they also know what to look for in an insurance policy to protect yourself and your home.  If you’re thinking about a nw policy, be sure to ask about these things.

  1. Get adequate coverage.  Make sure you have enough insurance to replace your entire house and everything inside it.  Too often, people make the mistake of underinsuring heir home, thinking they will save money on their premiums.  Instead, they lose thousands of dollars when a disaster strikes and they’re unable to fully repair the damage.
  2. Update your coverage at least once every three years.  Make it more often if you have a major repair job, renovations, or buy something expensive for your home.  New roofs, rooms, and even appliances should be part of your policy.  Also remember to ask about special riders fro computers and other electronics, jewelry, designer clothing, and other specialty items.
  3. Consider your replacement cost. While replacement cost insurance tends to cost a little more, it’s the only way to ensure that you’ll be able to replace everything in your home after a disaster.  These policies provide you with the funds that will allow you to go to the store and just buy everything that was damaged or destroyed in an emergency.

If you’re thinking about getting a new homeowner’s policy, or if you just want to save money on the policy you already have, call the agents at Keystone Insurance Agency.  They have years of experience helping Groveport, OH residents find the insurance policy that meets their needs.