Agency Owner, A1 Insurance LLC, Arizona, California Agency
Great Question. A typical homeowners policy and it depends on your state that you have the home in will range from $300 a year to in the high end to $3000 a year. I would shop around and call a local independent agent and have them shop around rates for you.
Agent, Rural Mutual Insurance Co., Union Grove, WI
Your homeonwers insurance premium can vary greatly depending on the coverages that you elect to have added to the policy, deductibles that you chose, and valuation of your premise. When selcting a policy make certain that it will provide you with the coverages and endorsements that you deem valuable. An insurance policy is only as good as the coverage that it provides.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
It is always a good idea to talk with your Insurance Professional about the particular coverage and benefits of your policy, but in a nut shell, a Homeowners' policy provides coverage on your Home (dwelling) personal property and also provides Liability protection in the even you are held legally liable for injury or property damage.
The Dwelling and personal property coverage should include a replacement cost settlement benefit and you should ask about any and all discount opportunities.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The basic question should be, “what would it take to make you whole.” You would want your residence restored, your property replaced and you would like to know that in the event of a lawsuit you would be defended and any judgment would be paid. That basically means that you should deal with a trusted agent and set the liability limit as high as the company will write and set the property limit at the full replacement cost. You should inventory any of the items that have restricted coverage and purchase additional coverage for your jewelry, guns, collections and other high value items.
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The Dwelling and personal property coverage should include a replacement cost settlement benefit and you should ask about any and all discount opportunities.