Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
Your first step should be finding out how much the insurance would cost based off of the replacement cost value of the home which is not the same as an appraisal many carriers will use replacement cost not actual cash valu for the home the rate is not much different but in the event of a loss it is well worth the difference
Initially, you will need to obtain a quotation for homeowners insurance. In order to obtain a quote, you will need to provide some personal information as well as the characteristics of the home in order for the carrier to calculate the reconstruction cost of the home. Items that may make a favorable difference in rate may be any professional designations that you may have, any security features such as an Earthquake Gas Shutoff Valve, Home Security Alarm System, Fire Sprinklers etc...
Finally, you should review the coverage and make sure that you feel that the policy will sufficiently offer you the protection you expect in the event of a loss; if you wish to lower the premium generated, we suggest increasing the deductible (thereby taking a small portion of risk upon yourself) in order to reduce the premium. It is always better to be properly covered and be a little out of pocket than the reverse.
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Finally, you should review the coverage and make sure that you feel that the policy will sufficiently offer you the protection you expect in the event of a loss; if you wish to lower the premium generated, we suggest increasing the deductible (thereby taking a small portion of risk upon yourself) in order to reduce the premium. It is always better to be properly covered and be a little out of pocket than the reverse.
For further information, you may click on: http://www.HDAinsurance.com/homeowners.html