Military Home Insurance

MILITARY HOMEOWNERS
Rest Insured with Homeowners Insurance

With homeownership comes home the responsibility of choosing the proper homeowners insurance policy.

A new home is perhaps one of the larger and more important investments your military family will make. Your second most important investment is your homeowners insurance policy.

Consider homeowners insurance coverage in four basic coverage areas: the structure of your house; your belongings; your liability to others; and your living expenses while your home is under repair.

Replacement Value Insurance for homeowners is the best coverage possible. This type of insurance will replace everything you own with new and similar items, in the event that you experience a loss. A good Replacement Value Insurance policy clearly insures both your home and its contents, completely covering the replacement value of both.

Consider adding Flood and Earthquake Insurance. If you live in an area prone to floods or earthquakes, you should be aware that most property insurance policies do not cover these events. With Flood and Earthquake insurance, you take the vital step of insuring against any damage due to these two natural disasters.

When it comes to paying you for your losses, you may find large differences between various homeowners insurance policies. Compare policies and you may find the premiums to be the same and the coverage to be equally adequate - but vast differences with regard to speed and efficiency of paying out, should you experience a loss.

Ask your agent specifically how claims are handled when and if you need to report a loss. Some policies give you the cash value of your possessions immediately following the loss, but may wait to cover the replacement value until after you've replaced your items - and you must present receipts to prove the value.

You need homeowner's insurance, no matter how many times you move throughout your military career, no matter how many properties you own.

Before you buy a new flat screen TV or new furniture to spruce up your decor, consider getting the best homeowners insurance and begin protecting your most important asset. Do your due diligence; compare policies in price and expediency; and find the homeowners insurance that covers you and your property at all times, under all circumstances, for every possible event.