How to Pick Your First Homeowners Insurance Policy

| May 10, 2019

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Purchasing your first home can be an overwhelming process, one fraught with emotion and a seemingly endless stream of paperwork and documentation. For many people, a home is the most significant purchase of a lifetime, making it even more critical to protect this investment with a thoughtfully chosen homeowners insurance policy. While homeowners insurance isn’t mandated by law the way car insurance often is, most mortgage lenders require that a policy be in place before closing on the home. But how is one to weed through the myriad options available, obtain a reasonable price, and find a reliable company? We asked industry experts to weigh in. Shop around, and start early. First and foremost, it’s important to shop around. And start doing so early in the home buying process, not at the last minute. “A lot of buyers wait until the end of the loan approval, appraisal, and inspection process to start looking and then they’re in a bind and need something fast,” said Missouri-based agent Justin Strong. “When this happens they usually end up going with something cheap that might not be the best fit for what they actually need.” Doing your research ahead of time, on the other hand, allows you to develop a sense of what the going rates are as well as the various coverage options.

Spotlight

Inspirien

At Inspirien, we offer your business more than just professional and general liability coverage. We consider ourselves a risk mitigation company, and that means our focus goes beyond simply covering claims. It’s the work we do together – the relationship that we build – that ultimately protects your business, and gives you the peace of mind in knowing that you and your team are safe. It’s the people around your Inspirien policy that make the difference. We deliver the vision, insight and service that make us a truly remarkable partner for whatever risk lies ahead.

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At Inspirien, we offer your business more than just professional and general liability coverage. We consider ourselves a risk mitigation company, and that means our focus goes beyond simply covering claims. It’s the work we do together – the relationship that we build – that ultimately protects your business, and gives you the peace of mind in knowing that you and your team are safe. It’s the people around your Inspirien policy that make the difference. We deliver the vision, insight and service that make us a truly remarkable partner for whatever risk lies ahead.

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