Home Buying Insurance Checklist
House Hunting Insurance Considerations
As a house hunter, it is important that you consider factors beyond just the cost of the house. One important consideration that comes hand in hand with home buying is insurance. We want to help you get the best bang for your buck so that you can move into the home of your dreams worry-free, which is why we have compiled a home buying insurance checklist for your convenience:
- Do some local research! Check out the quality and location of the closest fire department since homes in closer proximity to life saving authorities typically cost less to insure. It is also important to check to see where the closest fire hydrants are in relation to your dream home.
- As a California homeowner, you must also look into your dream home’s proximity to the coastline. Due to the increased risk associated with living along the coast or near it, the home will likely cost more to insure. You may also need to opt for additional insurance policies when living along the coast, including hurricane insurance and flood insurance.
- When was the last time the roof was replaced? Inspect the condition of the roof so that you can determine whether or not to request a roof replacement before signing the papers. Many insurance companies are very particular about roof conditions when insuring a home, so having a new roof made of the safest materials can land you a homeowners insurance discount.
- Check out the claims history of your potential new home. Look into its flood risks, earthquake history, and everything in between so that you can determine whether it will be too expensive to insure the property or not.
Contact Massive Insurance in Pasadena for all of your California homeowners insurance needs. Allow us to provide your new dream home with unmatched security so that you can enjoy your new humble abode without a worry in the world.