How much homeowners insurance should I buy? Is it based on a budget, the homeowner's own risk analysis, based on a region or just the standard? To some degree, all of these may influence your decision. One decision you should be making is finding a knowledgeable agent in your area. An agent that knows the area and the risks that you as a homeowner may not be thinking about and in most cases this risk assessment is free. I believe in the term "Insurance Rich". As an agent, I am privy to a host of possibilities that could affect one of my major assets a home. I have included earthquake coverage on my policy. Will it happen in my region more than likely not but it is risk and it is insurable. Jd Powers estimated 52% of insured don't understand their policy. Is a brownout the same as a lightning strike? It is not and as a homeowner, you should be proactive when looking for the right coverage for you.
The biggest mistake is being underinsured. There are a multitude of reasons for this. It could be as simple as the homeowner, not updating his agent of changes such as adding a pool, garage, or other additions that would increase the value of their home. There are also liabilities to consider have started a business out of your home or added a new member to the family such as a prohibited animal and are you covered. That is for another Blog.
such as hurricanes, tornadoes, straight-line winds floods, wildfires, and earthquakes seem to be occurring more and more or is really just flow of new we able to take in at a moments notice. Whatever the reason insured are starting to become more aware of the risks and are finding local independent
agents to help make the right decisions when purchasing an insurance policy.
Get In Touch
Thank you for your interest in the Augustine Insurance Group. We work with multiple A+ carriers to bring you the best coverage to fit your needs and budget. Please feel free to call the office nearest you:
You can also contact us online and an agent will reply promptly.
Insuring Clarksville, Dover, Springfield, Paris, Ashland City, Hopkinsville, Oak Grove, Fort Campbell, and throughout Tennessee and Kentucky.