The purchase of your new home can be an overwhelming process of endless paperwork and waiting until you can finally move in. For most, a home is the most expensive purchase of their lifetime, and protecting your investment is critical. Your mortgage lender will require that you have it, and it’s required to have in place before you close on a home. The professionals from Reinas Insurance Agency in Florida can help you navigate through the myriad of options without the hassle.
How do I find the Right Policy?
It’s important to start setting up your insurance policy early in the home buying process. Many buyers wait until the end of their loan approval and inspection process, and then they may rush and end up with second-rate insurance. Having your insurance policy in place early will provide you with greater peace of mind.
Understand the Policy Types
Insurance is not a one-size-fits-all, and it’s good to know the basic types of insurance that are available. Our staff can explain the different possible options, and you can select the one that is best for your situation. For example, you may need a more comprehensive policy if your home is older and at risk for more problems. We can help you pick the best option according to your needs.
Understand What Determines Your Rate
Many factors determine your home insurance policy premium. Your home’s location, value, and your credit score can affect your rate. Aging homes that are more prone to risk from wear and tear present a greater risk. A brand-new home constructed from brick is less risky than a twenty-five-year-old home with lead paint and wood siding.
Let us handle all the work of understanding and selecting your home insurance policy. The only thing you need to worry about is setting up your housewarming party. The staff of Reinas Insurance Agency is here to answer all of your questions to make your home buying process in Florida a breeze. Set up an appointment with us today!