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Why You Need Homeowners Insurance

How To Get Affordable Home Owner Insurance

When you first buy a home, you may become overwhelmed by all of the extra costs you never thought about having. One of those costs may be home insurance coverage. Young homebuyers may not see the need for such costly insurance, but anyone who has used their home insurance knows exactly how important it is. Many mortgage companies require specific coverage plans. Even if you choose to buy your home, without financing it, you will need home insurance coverage. Take a look at this information to learn more about home insurance plans.

The best way to buy homeowner's insurance is through an agent like us. We have the ability to provide you with the best possible combination of coverage price and service. 

When you Need It

You may think home insurance is only good in natural disasters. When a tornado, hurricane, or earthquake damages your home, your plan should cover the damage. However, there are many times you can use your home insurance coverage, regardless if there is a natural disaster or not. Consider this scenario: Your hot water heater bursts, and no one is home. There is so much water on your floor that your expensive hardwood flooring is completely ruined.

With homeowner’s insurance, you would be responsible for your deductible. The coverage would pay for the flooring to be replaced and often will even pay for a new hot water heater. Of course, these terms all depend on the type of plan you have, but for the most part, home insurance is beneficially for large as well as small disasters.

How To Pay For It

Choosing how you pay for your home insurance coverage can be important. Some owners would rather add their insurance right into their mortgage payment. Many banks prefer you to do it this way and are happy to accommodate. Other insurance companies will allow you to pay the premium monthly, every six months, or yearly. Select companies will even offer additional discounts for those who make one yearly payment. Consider these things when setting up your home insurance. You may get a great deal when you choose the right payment arrangement.

Insurance specialists at Ludwig & Fawcett, Inc. serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.