Things To Consider Before Taking Home Insurance

by Administrator 22. May 2018 14:15

The right type of home insurance is an important investment that every home owner has to partake at one point or another. It is the best way to protect an investment as big as your home and an asset as precious as your family from different perils.

Here are some factors to consider before taking a home insurance

  • The Rebuilding Cost: To get the most of any form of financial protection for your home, it is important to estimate the building cost of your home. You can then avail building insurance for the best financial protection from certain unavoidable calamities. When choosing a building insurance, you should have a correct estimate of the rebuilding cost.
  • Value Of The Contents In The House: Do a room by room inventory of the contents and be careful not to underestimate their value in order to get a decent claim. When performing this inventory, be sure to take note of which items you wish to be covered both when they are in the house as well as outside the house. Valuable jewelry is an example of this, where it is best to get coverage despite where the item is lost or damaged, by adding an “away from home” cover.
  • Individual Item Coverage Limit: Another important consideration is that some policies have a cap for individual items, beyond which the item will not be covered. If you have an item that is of more value than this cap, specify this to your insurer.
  • Covering Accidental Damage: Most home insurance policies cover accidental damage under their basic policy. Damages caused to the drains, pipes, glass, bathroom fittings etc. are examples of the accidental damages covered by most home insurance policies. However, some policies might require you to add on accidental damage, as it is not part of the basic plan. You also must ensure that the plan includes legal coverage if someone gets injured while on your property.
  • Loss Or Theft Of Keys: One of the most common problems that is faced by homeowners is the loss or theft of keys. This requires ordering replacement keys and breaking existing locks. Make sure that you do not have to pay out-of-pocket if this happens, by adding this coverage to your home insurance plan. Some companies have a limit on how much they will pay for key-related costs, so make sure you are aware of this.
  • Transportation And Accommodation Costs: If your house becomes inhabitable due to the damage that you seek coverage for, you want to be sure that you and your family are safe while these damages are being fixed. The best way to do this is to ensure that transportation and accommodation costs are a part of your home insurance.


To get affordable home insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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