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Three questions to ask before purchasing a home insurance policy

You need to research your situation and options before purchasing home insurance. At Texas Independent Insurance, there are some questions that we recommend that Allen, TX homeowners ask before buying a home insurance policy.

The following are three questions to ask regarding home insurance.

Should I get an actual cash value or replacement cost policy?

A cash value policy covers a home for the amount it was worth at the time of purchase minus depreciation. A replacement cost policy covers the house for its full original value without factoring depreciation into the equation. Actual cash value policies are generally less expensive. However, it may be worth it to invest more in a replacement cost policy if a claim eventually needs to be filed. 

What types of damages do I need to have covered?

Every home is unique. Some households require more coverage than others. For example, you’ll need to add on more coverage for natural disaster damages if you live in a flood zone. Consider the unique damage risks your home faces when deciding what coverage types you need to purchase. 

How can I save money on my home insurance?

Home insurance will be a recurring expense that homeowners must cover every month. As such, it’s a good idea to do what you can to reduce home insurance costs.

Fortunately, there are quite a few ways to bring home insurance premiums down. Homeowners can lower home insurance costs by bundling multiple insurance policies with the same provider. For example, they may enjoy a discount if they purchase both home and auto insurance from the same provider.

Homeowners can also reduce costs by increasing their deductible amount or making home improvements that increase home security. 

If you’d like to learn more about your home insurance options in Allen, TX, contact us at Texas Independent Insurance with your questions. 

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