Home Insurance Guide For Homebuyers In 2022

​There are many factors to think about when buying a house, aside from selecting the best neighborhood. As soon as you find the perfect home to live in, homeowners insurance helps you save money in the long run. Here are some of the essential points you need to know.

Understanding Home Insurance Coverage
A standard homeowners insurance policy includes:

• Dwelling: Pays to rebuild or repair your home structure if a covered hazard damages it.
• Contents: Pays to rebuild or repair your personal belongings if it’s damaged by theft or fire.
• Liabilities: Medical expenses from minor injuries if a guest is hurt on your property and property damage from household members done to others.
• Additional living expenses: Other costs if you can’t live in your home due to a tornado or fire.

How Insurance Costs Are Estimated
Your insurance company will evaluate the characteristics of your home and your belongings (such as furniture, jewelry, electronics, and other items) to estimate the cost in case of rebuilding, repairing, or loss. In this way, you can be sure that you’ll be getting what you paid for.

Insurance Options Beyond the Coverage
There are several insurance options that cover more obscure things. Flood, sinkhole, and earthquake insurance are good examples. Sewer backup insurance may also help with the cost of water damage in case a sewer backs up, or your sump pump fails.

The Importance of Home Insurance
You can’t control what happens in the future, but you can choose how to respond. The goal is to make you financially whole following a loss. Your homeowners' insurance policy spares you a large chunk of money if the unexpected occurs. Thus, you can have peace of mind and live life to the fullest.

At Auto Express Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (832) 232-4655. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!