At Tim Huber Insurance in St. Augustine, FL, we don’t just offer insurance policies to our clients, we also make them understand every detail. Home insurance is one of the most confusing types of insurance and that is because there are so many factors to consider when choosing your home insurance coverage.

One of the most frequently asked insurance questions is what kind of home insurance do I need? The best and the most honest answer to the question is “it depends on a lot of factors”. In fact, you and your next-door neighbor living in the same kind of apartment do not have to purchase the same home insurance policy.

So, we can only guide you. The best person to decide the most suitable kind of home insurance policy for you and your family is you. However, we will point you in the right direction by telling you the important things to consider.

Understand what is covered in every policy and what is not covered. For instance, when you are living in a condo, you don’t have to choose a policy that covers a garden and patio when you don’t have one. The additional coverage will raise the cost of your insurance. So, why should you pay for what you are not enjoying?

It is also necessary to ask for the special limits in every policy and know the items that are limited. You should also ask for the list of perils covered by every home insurance policy. It is a common practice for insurance companies to list out what a certain policy covers and they will also list out what the policy doesn’t cover. There’ll always be certain perils that are not mentioned on both sides. Take the time to find out where these perils belong (are they covered or not?).

For more information about home insurance, you can schedule an appointment with us at Tim Huber Insurance in St. Augustine, FL. We will be glad to inform you and help you make a great home insurance choice.