Is Minimum Homeowner’s Insurance Enough?

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When shopping for homeowner’s insurance, individuals usually search for the lowest possible rates, especially with the economy being in the shape it is. However, policy holders should not settle for a lower rate with the risk of having inadequate coverage. A homeowner’s insurance agent will typically recommend what they believe to be best for your budget and home itself. Though, the homeowner usually opts for less in order to thwart paying high premiums.  In this post, Long Island Insurance Executive, Gregg S. Marcus explains why minimum homeowners coverage may not be the best option, and how paying a little more could protect you in the time of a future incident.

When getting down to business you should anticipate a number of different factors regarding you and your home personally. How much homeowner’s insurance do you truly need to safely protect the investment of your home? The answer to this question will obviously vary from one situation to the next, though there are a few things you much consider:

Dwelling Coverage:

Dwelling coverage is the portion of the homeowner’s policy which protects the actual structure of the home in the unfortunate likelihood of a tragedy. Say a fire damages the home; the dwelling coverage will pay for the repairs. Although, you should keep in mind that each policy states specific limits on what is required to be paid out in the event of a loss.

Contents Coverage:

Contents coverage is the part of the insurance policy which covers your personal possessions. Furniture, clothing, and electronics are examples of items that are covered if an unfortunate incident reaches your home. This portion is usually provided as a percentage of dwelling coverage and shouldn’t be lowered. It should be noted if your home possesses items that meet the value of the home, say jewelry or art collections, you should be sure to inform your insurance rep about this and expand the coverage when necessary.

Personal Liability Coverage:

Personal liability coverage is always included in a standard home insurance policy and is often undervalued until of course it needs to be enacted. The minimum amount usually required is about $100,000, though, typically an insurance agent will suggest double or triple that amount in coverage as if you are found to be in a lawsuit that amount will rarely cover all the legal costs and court fees, so be sure to keep that in mind.

If you are a homeowner in Nassau or Suffolk County on Long Island, New York, and are interested in purchasing an homeowner’s policy , Contact Gregg S. Marcus today  for a quote.

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