Shopping for a home insurance policy in Jacksonville can give you a headache. If you don’t know what to do, here are useful tips to guide you along.
Know how much
Determine your home’s replacement value. You’ll want to make sure you have enough coverage to cover the cash value of the materials you’ll need to restore or rebuild your home, The Street says.
Check the company’s claim history
Choosing the wrong insurance company can mean wasting years of premiums. Get it right from the get-go by checking the company’s claims history. If you hear stories of how difficult it is to get the insurance, you’ll want to save yourself the trouble and stress by moving on to the next company on your list.
Determine what’s covered
Before you pick a home insurance policy in Jacksonville, be sure to know what the policy covers. Standard policies often cover clothing and personal items along with the structure of your home. It should also provide liability protection in case someone wants to file a lawsuit on you for injuries or proper damage sustained while they were on your property.
Review the list
Don’t pick a policy until you check the list of perils covered by your policy. While you may expect protection against fire, wind or hail damage as well as protection against vandalism and theft, there are other coverages that may be included. You may also want to add a few others like coverage for flooding and earthquake damage. This isn’t part of the standard policy, though. You’ll need to shell out extra to add those features in. However, if you want better peace of mind, then this is a smart move to make. In case anything happens, you’ll have fewer worries on your plate, knowing you have insurance to fall back on.
