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Buying a good homeowner’s policy is never a chore, simply give your independent agent in Wayzata, Minnesota a call. We are here to make sure we have your future covered when purchasing your new home and will not let important insurance issues slip through the cracks.
Time is of the essence so be sure to have all the information ready for your insurance agent. When you are going through your possible home for purchase, these are the questions that you and your independent agent will need to know.
- How old is the home?
- How many square feet does the house have?
- How old is the plumbing and electrical systems?
- What kind of roof is on the house and how old is it?
- Where is the house located, and the address?
- Have there been insurance claims in the last five years?
- What kind of deductible can you afford?
- Does the home have an alarm system?
A higher deductible on your policy will bring the cost of your premium down. You must find out from your mortgage company what deductible limit they will allow you to purchase. If there is a lot of land to the house and you paid more because of the land, all the insurance company is going to insure is the house, so the value of your purchase may be considerably lower.
Have all information to the independent agent in Wayzata, Minnesota so he/she can consider all possible discounts to lower your premium cost. If you are a senior, over 50 years of age, a discount may apply. If you bundle other things, such as vehicles, a discount is available. Our agent may be able to offer other discounts, so be sure to inquire.
Purchasing a homeowner’s policy is no chore for your independent agent. It is important that you give us a call so that we can give you specific details for your circumstances. We are here to help you.