A friend of mine texted me the other day and asked me to quote her home insurance. I called her to discuss some questions I had about her home when she informed me she would be starting a remodel project in the next week or two which coincided with when she wanted to start a new policy. Her concern was if she changed home insurance now, would it cover her home remodel project?
Last week, I introduced 5 home insurance options home owners should consider, but that barely scratches the surface. Depending on the insurance company, there may be up to 2 dozen options, and what would life be without options?! Since no home policy covers everything, these options help tailor the coverage of a policy to the individual needs of each home owner. Here are 5 more options worth knowing about!
This sparked my thinking about what advice I’d give on the insurance side of personal finances to help you confirm you’re adequately covered and hopefully pay less than you did this year! So get out your policies, flip to the declaration pages, and let’s see what we can do in 30 minutes or less!
Every home insurance quote begins in a conversation with the home owner or buyer. I take the time to understand how the home is finished out such as the number of bedrooms, bathrooms, type of floor coverings, roof type, etc. This information is then entered into the replacement cost system for each insurance company we work with which in turn generates a home’s replacement cost value.
You’ve been watching HGTV and pouring through copies of This Old House Magazine and you’ve become inspired on what you want to do with your home. Or maybe, you’ve found the perfect home to buy that matches the vision you have for it and nobody else can see past the dated kitchen, bathrooms, and flooring. Congratulations! I can’t say I have that gift and am amazed to see what friends and clients have done with a home that looked one way and made it uniquely theirs.
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