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Questions for Homeowner Insurance Buyers

You've accomplished one of life's greatest goals and are now the proud owner of a house. The first part of protecting your investment is buying homeowner insurance, but this experience can be a little overwhelming with many confusing terms and conditions. Ask yourself the following questions before you decide to buy a policy.

  • What does homeowner insurance protect against?
    Homeowner's insurance will protect against a variety of dangers, usually termed “perils”, that can affect the life of your house. Perils can range from fires to burglaries to broken pipes and exploding furnaces. The more perils your insurance protects against, the more expensive your premiums will be. Also, keep in mind that most policies do not directly protect against the hazards of floods, earthquakes, wars or nuclear accidents and you may need to purchase additional hazard insurance to cover these events.

  • How much coverage do I need?
    Most insurance policies will cover the actual cash value that it costs to replace whatever part of the house has been damaged while factoring in depreciation amounts. However, you can select more extensive coverage that does not factor in depreciation amounts and has no payment limit (though most companies will not pay more than 120% of the cost to rebuild a home). To figure out how much it would actually cost to rebuild your home, follow this equation: Local building costs per square foot x Total square footage of your home = Cost to rebuild your home.

  • Can I find cheap homeowner insurance?
    There are ways to save money on a homeowner insurance policy. Once you figure out what limits you want, call around and compare the quotes of several different companies. Also, you will sometimes get good deals if you combine insurances, for example using both auto and home insurance from the same company.
  • National Association of Insurance Commissioners
    Our regulators protect homeowner's insurance purchasers and insurers from fraud and fluctuations. Our association helps keep homeowner's policies affordable and reliable across the nation.
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    American Insurance Association
    If you're looking for the most affordable and reliable property insurance, find it through our association. Get the best rates on homeowners insurance in your area with our association.
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    STANDARD LISTINGS:   HOMEOWNERS-INSURANCE IN/NEAR INDIANA
    Matthew Dodd - Pilot Insurance Agency Write review for this local business
    210 S Byrkit St, Mishawaka, IN 46544
    (574) 855-4837  
    Our insurance agency provides the area's residents with top quality homeowners insurance, life insurance, health insurance and auto insurance. Our agents are here to fulfill your needs, so call us!
    Hometown Insurance Inc Write review for this local business
    232 N Elm St, Henderson, KY 42420
    (270) 831-2350  
    Kelly Miller Write review for this local business
    5310 Pearl Dr Ste B, Evansville, IN 47712
    (812) 423-5491  
    Shelter Insurance Write review for this local business
    426 Vigo St, Vincennes, IN 47591
    (812) 882-2132  
    Shelter Insurance Write review for this local business
    205 SE 2nd St, Washington, IN 47501
    (800) 743-5837  
    Shelter Insurance Write review for this local business
    201 E State St, Princeton, IN 47670
    (812) 386-8495  
    Shelter Insurance Write review for this local business
    4904 Temple Ave, Evansville, IN 47715
    (812) 428-0300  
    Shelter Insurance - Caren Richeson Write review for this local business
    402 S Richland Creek Dr, Princeton, IN 47670
    (812) 386-6100  
    Shelter Insurance Write review for this local business
    207 N Elm St, Henderson, KY 42420
    (270) 827-0388  
    Shelter Insurance Write review for this local business
    2205 E Morgan Ave Ste 102, Evansville, IN 47711
    (812) 477-3004  
    Shelter Insurance Dora Feagley Write review for this local business
    5401 Vogel Rd, Evansville, IN 47715
    (812) 422-4696  
    Webster Dean Insurance Write review for this local business
    1136 Washington Sq, Evansville, IN 47715
    (812) 491-0995  
    Erik Hughes Write review for this local business
    12500 Highway 41 N Ste 5, Evansville, IN 47725
    (812) 867-3700  
    German American Ins, Inc. Write review for this local business
    246 3rd Ave, Jasper, IN 47546
    (812) 482-2866  
    American Family Insurance - Kim Woodward Write review for this local business
    201 W 42nd St, Jasper, IN 47546
    (812) 482-5157  
    American Family Insurance - Johanna Greenwell Write review for this local business
    2041 Washington Ave, Evansville, IN 47714
    (812) 479-0600  
    American Family Insurance - Gary Virgin Write review for this local business
    2201 W Franklin St, Evansville, IN 47712
    (812) 464-5500  
    American Family Insurance - Kenneth Gates Write review for this local business
    2319 W Franklin St, Evansville, IN 47712
    (812) 425-4200  
    American Family Insurance - Will McEuen Write review for this local business
    821 12th St, Tell City, IN 47586
    (812) 547-3311  
    Mark Price Insurance Agency Write review for this local business
    11001 Highway 66, Evansville, IN 47712
    (812) 985-2552  
    American Family Insurance - Theresa Gilley Write review for this local business
    332 3rd Ave, Jasper, IN 47546
    (812) 482-6700  
    American Family Insurance - Frank Welch Write review for this local business
    303 E Broadway St, Princeton, IN 47670
    (812) 385-8800  
    American Family Insurance - Frank Market Write review for this local business
    1016 S Weinbach Ave Ste J, Evansville, IN 47714
    (812) 479-1424  

    Homeowner’s insurance agencies handle many different types of insurance, from life to home equity to landlord rental property. Increase the value of your home by protecting your greatest asset from natural disasters such as flood and fire. The effects from these disasters, such as smoke and water damage, can incur large bills that you may not be prepared to pay. With hazard insurance coverage, you pay the premiums but not the entire bill in the event of theft and natural disasters affecting your house.

    Many insurance companies are online, with sites that give basic information in terms of coverage, policy ranges, quotes, and local laws. You can sign up for homeowner’s or life insurance entirely online, or use it as a tool enhanced by interaction with an in-person agent or assistance over the phone.

    Homeowner’s insurance companies can provide term coverage for anything from automobile and personal liability to boat and health insurance. Your agent will do all the legwork for you and consult with you on your choices. The company you deal with should boast competitive rates and quality services. It should also provide you with claim information, along with the differing rates for cheap commercial quotes vs. homeowner quotes.

    Visit a local office branch to meet with an insurance agent in person. He or she can go over the hazard insurance coverage you need for your particular piece of real estate and stay safe. This will protect you in the event of an earthquake, flood or other disaster affecting your house. Your agent can provide you in writing with rate terms and liability coverage policy components to come up with a custom plan.


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