Homeowners insurance is a must for all homeowners. Usually if you have a mortgage the mortgage company will require that you carry insurance, however if you own the house outright, you have no requirements. Even if you are not forced to have homeowners insurance you should still carry it. But just because you should have insurance doesn't mean that you have to overpay on it. Here are some simple things you can do to lower your homeowner's insurance premiums.
Home insurance can be complicated. How do you know how much coverage you need? How much of a deductible should you set? Does your home insurance cover all of the potential disasters that can happen? Will you get a big enough payout to replace the items that you would lose during a disaster? My blog is loaded with tips and advice that can help you improve your home insurance policy. It is my hope that my personal experience with loss can help you read, understand and improve your personal home insurance policy and avoid the costly mistakes that I had made.