Buying A New Home? 3 Reasons To Add A Home Insurance Agent To The Team

Insurance Blog

If you're ready to buy a house, you might think that the only agent you need is your realtor, but that's not the case. In addition to the real estate agent, you also need to work with an insurance agent. A real estate agent can take some of the headaches out of buying a house. They can also help you to avoid mistakes with your homeowner's insurance. If you're not sure how an insurance agent fits into your plans for buying a home, read the information provided below. You'll find four important reasons to add an insurance agent to your home buying team. 

Understand Local Risks

If you're looking to buy a home in an unfamiliar community, you're going to need all the help you can get, especially where assessing the risks are concerned. Your real estate agent might know the specific risks for each area of the community. However, they might not pass that information on to you. However, a home insurance agent can help. They can provide information related to risk for any home you're considering. Some of those risks include flood risks and crime statistics. As an added benefit, your insurance agent can also identify any previous insurance claims on the houses you're interested in. 

Ensure an Accurate Quote

If you're ready to buy a home, you'll need to arrange for homeowner's insurance prior to the close of escrow. Unfortunately, it's not easy to get the most accurate quote on your insurance rates, especially when you're working with an online insurance brokerage site. However, when you work with a local insurance agent during the home buying process, you are ensured an accurate insurance quote, which means you won't end up paying too much for your coverage. 

Suggest Additional Coverage

If you're planning to purchase basic insurance coverage for your new home, you might not have all the protection you need. Unfortunately, you might not know what you need, which is why you should be working with a local home insurance agent. Depending on where you're shopping for a home, there might be additional coverage that you'll need. For instance, you might benefit from coverage for flooding, or for earthquake damage. A local insurance agent can help you put together an insurance package that will provide you with the best protection. 

Buying a home does not have to be difficult. To learn more, contact a home insurance agency


15 November 2021

Preparing for the Future

Ten years ago, I married my best friend in a beautiful, intimate ceremony. My husband and I have been nearly inseparable and we’ve enjoyed this special time in our lives where it has been just the two of us. However, we’re finally ready to have a baby. Because I only work part-time, my husband is the primary financial provider in the family. If something ever happened to him, I wouldn’t be able to instantly support myself and a child. Because my husband worries about an uncertain future, he is considering purchasing a larger life insurance policy. On this blog, I hope you will discover the best types of life insurance policies for young parents to invest in. Enjoy!