7 Homeowners Insurance Tips

7 HOMEOWNERS INSURANCE TIPS - KEEGO HARBOR REAL ESTATE 

Here are 7 homeowners insurance tips for Keego Harbor home buyers: 

1.) Is the figure on your dwelling accurate? Can you rebuild for that amount? 

2.) Have you looked at your deductible? You can save on higher deductibles. 

3.) Do you have your auto insurance with the same company? Motorcycles? Boats? Sometimes, bundling your insurance saves money. 

4.) Did you know that sewer backups are not covered? Flood loss is normally excluded for your policy! You can purchase flood insurance separately. 

5.) Have a burglar alarm or are there no smokers in the home? Companies have all kinds of discounts for alarms, non-smokes, and other items. Ask your insurance agent.  

6.) Running a business in the home? Check with an agent to make sure it works with the policy.  

7.) What does your storm damage coverage cover? Wind or hail? 

Remember always have insurance on your new home whether you are buying a home cash or doing a mortgage.  If you are buying a Keego Harbor home your mortgage company will make you get a full year of home owner's insurance.  Even though you are escrowing your insurance you will still have to pay for a year of insurance up front before you close.

I hope these simple tips about homeowners insurance helps you cover all your bases and saves you money when you are buying a Keego Harbor home. Have a great day!

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