How To Obtain Homeowners Insurance?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaStart by contacting a trusted insurance agent. If you haven’t an agent, get a recommendation from friends, colleagues or neighbors. The agent should listen to you, provide sound financial advice and communicate clearly with you and the company. The most important task for you and the agent is the selection of appropriate limits. At the time of claim, the premiums paid will become inconsequential. Get the right coverage, get the highest liability limits. Make sure you know about optional coverages as they may coverage an area of vulnerability.Answered on May 14, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Talk to your Insurance Professional, that is always the best place to start. You will need to let them know the location of the property as well as any specifics about that property that you have. They will need detailed information and may also arrange to to a site inspection in order to complete a Reconstruction Analysis in order to recommend the proper amount of coverage. Once they present you with a recommendation, you can and should discuss any additions or changes that would best suit your needs, decide on a deductible, and agree upon a price. Your agent will then need to know about your mortgage company, and their specific "mortgagee clause" for inclusion in your policy. You then sign the application, pay the initial premium and you are done. In most cases you will be able to walk out with a completed Homeowners Declaration Sheet or at least a coverage binder and receipt of payment.Answered on May 14, 2014flag this answer
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