First Time Home Buyer’s Guide

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first time home buyer's guide : homeowner's insurance

first time home buyer's guide : homeowner's insurance

Homeowner’s Insurance: Homeowner’s Insurance protects the property and contents in case of loss; must be for at least the loan amount or for 80% of the value of the improvements, whichever is greater.

The amount of Homeowner’s insurance you should carry depends on the replacement cost of your house – what you need to spend to replace it as it stands. Do not confuse this with “market value” or you could end up over or under insuring your house. Remember that insurance is really there to cover a catastrophic event.

  • Insure your home for its full replacement cost
  • Make certain your policy indexes the replacement cost to the actual regional increases.
  • Be aware that valuables such as fine arts, jewelry, furs, coins, etc. might need additional or separate coverage.
  • Investigate your options. Umbrella disability and mortgage disability insurance may be helpful.

If you would like to speak to a REALTOR please visit our ASK A REALTOR page.

You can also contact a REALTOR directly by calling Hunter Webb at (469)-951-2299 or at HunterWebb@verizon.net

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About hunterwebb

I am a 26 year old real estate agent in The Dallas Fort Worth Metroplex. In my downtime I enjoy watching sports, reading a goodbook, and grilling up a good meal.

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