Homeowners Insurance

How do I protect what is probably my single largest investment?
You have finally found the home of your dreams. Now how do I go about protecting my investment?

Do I look for the lowest premium?
Lowest premium does not always mean best value. What are you buying with that premium? A. A strong company which will not leave the State after incurring large storm losses. B. A local agent which can assist you in determining the most appropriate coverages. C. A local claims office which will be available when losses do occur.

How do I know if I am properly covered?
Take the time to review the proposal with the agent. Do not be afraid to ask questions. Remember, this is your home. Are you insured at replacement cost? Are your contents insured at replacement value? What happens when my sump pump stops or the sewer backs up. What is my coverage for wind and hail damage? What about coverage for my jewelry? Do I need anything additional for my computer?

Besides covering your home and your contents, did you know that your homeowners also provides excellent coverage for personal liability?
Do I need additional liability coverage? What’s covered and what’s not?

How can I get additional discounts on my homeowners policy?
Some companies give discounts for hail resistant roofs, deadbolt locks, fire extinguishers, alarm systems, newer homes and if you also insure your automobiles with the same company.

When buying a home, you have a lot of decisions to make. Don’t just get the cheapest price so you have coverage at the time of closing. Make sure your investment is properly covered.

Call for further information (316) 683-2222 and ask for Delvin Holdeman.