Your home should be covered by a Homeowners Insurance Policy with the Dwelling Coverage equal or greater to the cost of complete reconstruction of the home. In the event of a covered total loss, you will expect your insurance company to pay for the rebuilding of your home.
In addition to the home itself, you will need to make sure that your Other Structures (Detached Structures), Personal Property (Contents) and Personal Liability Limits are sufficient to cover your interest in the event of a covered risk. It is always best to speak to a licensed professional who will ask the appropriate questions to assess your risk and therefore suggest the best options to your specific case.
Once you have assessed sufficient coverage for your home, you may adjust the premium by selecting either a higher or lower deductible. A higher deductible would generate a lower premium and a lower deductible would generate a higher premium.
There is a link providing an online format to obtain a quote and buy home insurance online in multiple States; it may be used by Escrow/Closing Professionals, Mortgage Professionals, Real Estate Agents and directly by Consumers. An exemplary online experience for all! http://hda.stillwaterinsurance.com
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In addition to the home itself, you will need to make sure that your Other Structures (Detached Structures), Personal Property (Contents) and Personal Liability Limits are sufficient to cover your interest in the event of a covered risk. It is always best to speak to a licensed professional who will ask the appropriate questions to assess your risk and therefore suggest the best options to your specific case.
Once you have assessed sufficient coverage for your home, you may adjust the premium by selecting either a higher or lower deductible. A higher deductible would generate a lower premium and a lower deductible would generate a higher premium.
There is a link providing an online format to obtain a quote and buy home insurance online in multiple States; it may be used by Escrow/Closing Professionals, Mortgage Professionals, Real Estate Agents and directly by Consumers. An exemplary online experience for all! http://hda.stillwaterinsurance.com