Comments Off on Overland Park Home Buyer’s Should Start Shopping Homeowner’s Insurance Rates Early In The Buying Process

Checking The Pulse Of The Kansas City Real Estate Market

Shopping for homeowner’s insurance is not usually at the top of our Overland Park home buyer’s priority list. However it’s critical that home buyers adequately protect the largest investment they’ll probably make in their lifetime. To do so, a home buyer will want to avoid having to deal with such an important task once they’re under contract and operating under stressful time constraints. Shopping early in the home buying process will allow a buyer to ensure they are adequately protecting their real estate investment, while allowing time to shop and get the best possible deal.

Getting more than one quote is recommended since homeowner’s insurance rates are really fluctuating with the national catastrophes seen in recent years. It’s a good idea to get your first quote and then use that quote to ask the next insurance company to give you an apples-to-apples price comparison. You’re likely to have different insurance companies explain aspects of the other company’s proposed policy that could leave you under-protected. Knowing your options is always a good thing and you can count on many differences from one insurance carrier to the next.

You’ll want to know what level of replacement coverage you’re being quoted and also check closely into whether you are being quoted enough personal property protection. If your home burns down, you’re going to have to replace more than just the home. Also check into matters like whether hail damage to your roof will be covered and how much it would cost to add flood insurance to your homeowner’s insurance policy. Few people in the Kansas City area have earthquake insurance but with the recent earthquakes felt from neighboring states, it might be worth checking into. Though the Kansas City area hasn’t had a major earthquake since before the turn of the century, the recent trembles felt in the area could be a good reason to check into earthquake coverage, which likely would cost you less than $10 a month.

If you’re ready to start shopping for homeowner’s insurance for your home in Overland Park Kansas, Kansas City and the surrounding metro area, here’s some links to get you going… State Farm Insurance, All-State Insurance, Farmer’s Insurance, GEICO Insurance, Nationwide Insurance, American Family Insurance.

Posted by Jason Brown

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