How much should I insure my house for?
Every situation is different, but in most cases, you should insure your home for what it would cost to replace it at today’s building costs if it were a total loss (not what your home is appraised for).
Does my homeowners insurance cover my laptop computer?
Most homeowners insurance policies provide some protection for laptop computers, but probably not enough to replace it if it were lost or stolen. Consider adding an endorsement to your homeowners insurance policy to ensure adequate protection.
How can I reduce my homeowners insurance premium?
There are several things you can do to receive discounts on your homeowners insurance policy. For example, installing a security system and smoke alarms, raising your deductible, and taking advantage of multipolicy discounts are just a few things that can lower your premium. Let your insurance agent know if you’ve made major improvements to your home, such as new wiring, a new water heater, replaced the sewer system, etc. Remove things that can raise your homeowners insurance premium such as swimming pools, trampolines, and dogs.