Home is where the heart is … as well as a lot of other possessions. That’s why getting quality, reliable homeowners insurance is about so much more than checking an item off the to-do list when you’re buying a home.
So we asked home shoppers what they want to know about homeowners insurance, and they delivered—with questions on everything from claims to coverage to what exactly escrow has to do with insurance.
Here’s what’s on their minds, with answers from the insurance experts at Allstate.
I’m a first-time home buyer. What should I consider when choosing insurance? – Cynda from Florida
“Your home is one of your most valuable assets,” say the experts at Allstate. “Make sure your homeowners insurance protects you and your family in many kinds of situations involving not only your home itself but also the things you own.”
No two homeowners’ needs are exactly the same. Your unique needs need unique coverage. For example, a classical musician may be looking to protect their prized instruments, whereas an entrepreneur running a side hustle might be concerned with protecting the inventory stored in their garage.
It’s OK if you don’t know exactly what you’ll need right away. A great place to start is by entering your ZIP code in Allstate’s online tool. You’ll get a personalized quote in minutes and have the opportunity to connect with a local agent who can answer questions specific to your situation.
What are the most common types of claims? What is the claims process like? – Emily from Colorado
Homeowners insurance helps people prepare for the unexpected, such as damage from wind, hail, plumbing failures, theft, and fire. The claims process focuses on delivering the protection your policy promises when you need it. Your insurance company will work with you to understand what happened, assess what was damaged, and help you recover. The aim is for the process to be as simple as possible for the homeowner, so they can focus on moving forward.