Home Owners Insurance

If you’re preparing to buy a new home or even a current home owner it’s more important than ever to have good comprehensive “Home Owners Insurance”. Did you know that there are 8 different types?  Most people don’t.  So, it’s critical to understand the differences. You should have a conversation with your insurance agent to ensure you have the proper policy for your needs.  In a time of increasing wildfires, flooding and other disasters that can threaten your home it’s crucial to protect your investment.  Visit my web-site for an explanation of the options.  Then contact me for additional advice and insurance company references in the Missoula area.

As an element of your Home Owners Insurance coverage for your personal property is often included…but not always. If you lose your home to a wildfire or other climate disaster it’s essential that you’re insured and can identify your loss of personal property.  The first step is to take a walk-through video of each room in your house, identifying verbally some of the most expensive items.  Then list everything you can with estimates of the value and if possible, the actual cost especially on your most expensive items.  Finally make sure your policy will easily cover the replacement cost of everything.