couple talking to insurance agent, tips for securing your first home insurance policy

How to Secure the Right Homeowners Insurance Policy

Try out these suggestions to help you secure coverage for your first home.

If you are getting ready to close on your first home, then there is undoubtedly a lot on your plate.  One of the important things on your to-do list is secure homeowners insurance in Plano, Texas.  Not sure where to start when it comes to tackling this task?  Then try out these suggestions to help you secure the right insurance protection for your first home.

  • Do Not Procrastinate

If you know that you need to secure home insurance, then it’s important that you start shopping around right away.  Waiting until the last minute to secure coverage will limit your policy options and could force you to choose a policy that is not right for your needs.  Additionally, it’s important to remember that the cheapest insurance is not always the best.  While choosing a cheaper policy might seem like a good money-saving strategy at the beginning, making a bad insurance decision could end up costing you thousands in the long run if your policy does not offer enough coverage to address your risks.  Bottom line, if you need coverage, take your time and choose wisely.

  • Shop Around

As previously mentioned, you shouldn’t choose the cheapest policy available.  Paying the least amount possible means that you are only securing the minimum amount of coverage an insurer can get away with.  Rather than risking insufficient coverage, you should take the time to compare different insurance options and ensure that your policy provides coverage for property damage, theft, and liability.  To make it easier to find the perfect policy, you should keep a checklist for the coverage your home needs and go from there.

  • Have Your Home Inspected

Your home inspection can be a powerful tool to help you save on your insurance.  When an inspector looks over your home, they can give you advice on repairs or upgrades that you can make to improve the safety of your home.  The safer your home, the lower your insurance costs will be.  So, employing your inspector’s recommendations can lead to major discounts on your home policy.

Try out these tips to help you secure the right insurance policy for your first home.  Do you need help with your homeowners insurance in Plano, Texas?  If so, then contact the experts at Tri-Star Insurance/HUB International.  We are ready to assist you with all your coverage needs today.