Kelly Broaddus  |  eXp Realty  |  888.446.5602  | Contact Kelly

You need to know what type of insurance you need before you buy.


Today I'm discussing an important topic: homeowners insurance. There’s a lot that goes into choosing the right insurance company, so how do you know you’re picking the best one? Let’s talk about what factors to consider when making your insurance decision.


One of the first things you should consider is how strong you want your coverage to be. If you want insurance that will cover catastrophes, that’s one option. If you want a policy that covers claims in your everyday life, that’s a different kind. Let me explain why. 

"Every insurance company is a little different."


Let’s say you want to sell your home, but your roof is a little old. It’s been through hail storms, but there have never been any leaks. You’ll want to fix the roof before you sell, and if you have the right insurance, you can file a claim. Hail is considered an act of God, so to speak, so good insurance companies won’t count it against you. With the wrong insurance however, you might be paying for the repairs yourself. 


I don’t like to pick favorites, but let me be clear. If you plan on owning a home for a long time, you want insurance that will cover your claims. In my opinion, State Farm is by far the best for long-term, catastrophic insurance. However, they don’t do too well in the short term. Not all insurance companies are created equal, so reach out to me if you’d like to know who is the best fit for you. 


If you’d like to get in touch with a good roofer or if you have any questions, please call or email me. I’d love to help!