Homeowners Insurance Folsom, CA

How to Get Homeowners Insurance Quotes in Folsom

Homeowners insurance is designed to protect your home against damage from accidents and/or natural disasters. In today’s insurance world, the Internet has become one of the most convenient means to shop for homeowners insurance. All in all, the process can still be confusing as there are many different types of homeowner insurance policies in Folsom and many different companies. Homeowner insurance quotes n Folsom allow you to shop and compare different policies from different providers. Let’s take a look at the process to obtain homeowner insurance quotes in Folsom.

How to Get Homeowner Insurance Quotes in Folsom

There are two ways to obtain insurance quotes. First, you can contact good old-fashioned, brick-and-mortar insurance companies local in your area. This can be done either in person or via telephone. The second is to access the Internet. Accessing the Internet is by far the most convenient means of the two. Once online, simply visit an insurance company like Peterson & Grantham to obtain free insurance quotes on homeowners insurance in Folsom.
When shopping for homeowners insurance in Folsom, also ask friends and family members for referrals of companies they are happy with. You can also check with your state’s insurance department.

What to Look for on a Homeowner Insurance Policy in Folsom

Dwelling

Homeowners insurance does not cover earthquake or flood damage. If the area you live in is high-risk, you will need to purchase a separate insurance policy for any type of coverage you may need. A standard homeowner insurance policy will protect homeowners from fire, hail, riot, smoke, vehicles, aircraft, explosion, snow, objects, theft, wind damage, or loss.
When you purchase your insurance policy in Folsom, be sure to purchase a guaranteed replacement cost policy, which is greater protection for your property and your belongings. The reason to opt for guaranteed replacement cost is simple. If your home is destroyed in a fire or other disaster, and the cost and your policy are for $100K, but your home costs $125K to rebuild, then you don’t have any guarantee that your insurance company will pay for the additional $25K.

Personal Belongings

Home insurance policies normally cover your personal belongings, as well. In most policies, up to 40 percent of the total policy accounts for your personal assets. Policies may have a maximum amount of coverage per item. For instance, jewelry coverage may be a few thousand dollars. If you would like more coverage, you can then purchase an endorsement, which will increase the coverage.

Liability

Liability is also something that many home insurance policies have. Liability coverage is something that will protect you should someone become injured on your property. For instance, if someone slips on the driveway right after a rain, you will be protected should they decide to pursue a lawsuit. Liability is definitely something that each homeowner should have.

Peterson & Grantham offers homeowner insurance in Folsom at affordable rates.