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For new homeowners, there are many concerns. Owning a home is a lot more than just paying a mortgage. It would be best if you protected your home and yourself from some of the perils that can happen. That is what home insurance covers, but most new homeowners aren’t experts at home insurance and may not know some important things about it. In Little Falls, MN, you can count on Hanneken Insurance Agency Inc. to provide the expert service you need to make the right decision.
You can choose your deductible.
The amount of deductible you choose does affect your rate. The higher the deductible, the lower your rate. But if you have trouble coming up with the money for a higher deductible, stick with a typical $500 or $1000.
Your mortgage holder requires home insurance.
If you have a mortgage, you will need to have home insurance. If you don’t get it, your lender will, and it may not be the best rate or the best policy. It is advisable for you to choose your policy and to make sure you maintain it for the life of your loan.
You have content choices.
Regarding covering your content, the total amount will be a percentage of your property coverage. Do you want to replace everything you own? Maybe not. You can choose to replace it at the current value. The other option is to replace it at the cost today. Some categories have limits, you may need to add a rider.
Your policy has exclusions.
Not everything is covered. Read your policy carefully. Most policies exclude floods, owner neglect, termites, mold, earth movement, sewer backup, war, and nuclear accidents.
Contact Hanneken Insurance Agency Inc. in Little Falls, MN when you need to get home insurance for your new home.