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A lot of people view home insurance as a product you use when there is a fire or other disaster. But it’s actually a lot more than that and can be a pretty powerful tool for homeowners. Corkill Insurance will work with our top-rated carrier network to make sure your home is protected – inside and out – with a plan that fits your needs and budget. We’ll walk you through all the options and help you see there’s so much more to it than simply fulfilling a bank loan requirement. There are many ways it can help you save thousands of dollars in repairs.
Not all policies are created equal. A standard home insurance policy covers four key areas: the physical structure, your personal belongings, temporary living expenses and liability protection. All home insurance policies have minimum requirements, but you do have some flexibility beyond liability protection on what you insure and how much your policy covers. Additional coverages are also available like insuring jewelry or protecting yourself from some big-ticket repairs with an equipment breakdown add-on.
There are a lot of ways to save money on your home insurance. Corkill will help you identify these areas and work to get you the best policy and premium. Typically, if you insure both home and auto with the same insurance carriers, you’ll save quite a few dollars. There are also discounts for seniors, those that have a newly constructed home, homes with new roofs and more, depending on the policy selected.
While home inventories are not required, having a detailed home inventory on file will help move your claim along and keep it moving with the fewest hiccups. Of course, Corkill has a few tips to make this as easy for you as possible. Two of our favorites apps for organizing your home and personal belongings are Know Your Stuff® and My HOME . Both are free and available on iPhone and Android.