what should i do before buying in on a house insurance????

Answer 1

Make sure you're with a reliable company.

Make a list of things in your home; some policies require some items to be scheduled individually.

Answer 2

Read the fine print....all of it. If you don't understand it, take someone with you that does.
Insurance companies are quick to collect premiums but will fight like a wolverine to avoid pay-outs. You may have an item in perfect condition but they will depreciate it down to a fraction of what you paid for it. Consider a high deductible to get the best rate. Ask what is NOT covered. As the Katrina victims found out, you may be covered for wind , but not water, damage or vice versa. If you dont want to be bound by an arbitrator's ruling....dont sign a contract that provides for one.....

Answer 3

Search around and get quotes from everyone, then you'll see who the best ones are from the lot, it'll be obvious.. just don't rush into anything, take your time and collect all data for a while.

Here's two great places to get quotes from, they are fast and there's no obligation to go ahead with anything.
Good luck!
http://homeinsurance.nightbirdssolutions.com or http://homeinsurance.nightbirdssolutions.com/quotes.html.












RE:
what should i do before buying in on a house insurance????

Answer 4

Be sure you can attach a rider for full replacement value on the structure and all furnishings. If you don't and there is a fire or theft you will only receive current value. If you paid $1000. for a TV you will only be compensated for value as a used item, maybe only $50.

Answer 5

Make sure what is covered and at what percent of depreciation. Have the agent show you this in writing in the contract. Find out what items may need a seperate coverage.

Answer 6

you should save a little money here and a little money there and cut down on your spendings so when you do buy your house insurence your not completly broke afterwards.

Answer 7

CALL A FARMERS TYPE OF INSURANCE -- LOWER COST.