Choosing the right home insurance cover is really important so why not let
our FSA regulated advisor search the market to find the best solution for your needs so
you don't have to.
When shopping for home insurance, remember this: Insure your house for the cost to replace it (i.e. construction costs), not its "market value, and don't factor in the value of your land.
Once you know the proper level of coverage, consider special add-ons for valuables such as jewelry, your computer equipment and other pricey possessions. You might also need additional coverage for earthquakes, flooding or windstorms, depending on where you live.
Lending institutions usually require mortgage customers to purchase home insurance. Don’t rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. That’s why it’s important to check with your agent or insurance company to make sure you have adequate coverage.