Anyone that is in the Augusta, GA area should consider purchasing a home. Those that are property owners here will enjoy having a consistent and stable place to live while also benefiting from property appreciation over time. If you are going to purchase a home here, you also need to get insurance for it. Several tips should be followed that can help you choose a new home insurance policy.
One tip that should be followed when you want to choose a new home insurance policy is to consider your requirements. Most people who are going to purchase a home will have requirements set by either their mortgage lender or a home association. It is important that you carefully consider what your requirements are and then pick a policy accordingly.
Consider Other Needs
Even if your lender is not required to have coverage, you should still get a policy that meets your needs. Various factors should be considered, including coverage limits, whether you need to protect some valuable personal assets, and if you have unique liability risks. Based on these personalized considerations, you may want to modify your insurance policy to ensure that you are properly protected at all times.
If you need to choose a new home insurance policy for your Augusta, GA area home, you should call Whit Blanchard Insurance Group. The Whit Blanchard Insurance Group team understands the risks and needs that homeowners have when it comes to insurance. The team can help you better evaluate your needs and ensure that you can pick a policy that will provide you with the right coverage for your situation.
When we buy home insurance policies, we do so with the hope that we will never have to make a claim. That is why many people in Augusta, GA do not know how to file a home insurance claim. While filing a claim is never a wish, knowing how to do it correctly helps you save time, recover, and settle down faster. That is why at Whit Blanchard Insurance Group, we emphasize learning the home insurance claiming process to help you stay prepared in case of a disaster. Here are three tips to help you prepare for a claim.
Learn your home insurance coverage
The best way to prepare for a home insurance claim is by understanding what is covered, what is not covered, and the premium limits. Go through your home insurance policy and learn what is excluded to avoid filing for damage or loss that is not covered. If you feel you need to include more coverages, you can discuss this with your insurance provider.
Prepare a home inventory.
If you bought your home insurance a few years ago, the chances are that you have purchased several other items in the house which may not be included in your home insurance policy. You can create a home inventory and include all the new items you bought to ensure they are covered in case of a loss. You can keep receipts, photos, or even record a video of your entire home and everything inside it. If you are planning to do or already did a major renovation, you should notify your insurance company immediately.
Hire a private adjuster to evaluate your home
While insurance companies have their own public adjusters, it is always a good idea to hire a private one who can also help handle the claiming process to its fulfilments. They can be fundamentally important in case you are dealing with a considerable loss.
For all your home insurance needs, Whit Blanchard Insurance Group is here to help. Call or visit us in Augusta, GA today!