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front porch of houseEveryone is different when it comes to their home insurance needs.

To ensure that you have the proper coverage make sure your homeowners insurance can cover the following areas:

Structure of home: Insure your home its replacement value. This is how much it would cost to build your home from scratch. Be sure you have an accurate estimate of your home’s value. The price it would cost to sell your house is not a good indicator of the replacement value. The most common replacement limit is 120 percent.

Personal belongings: Most policies cover your personal belongings at 50 to 70 percent of your home’s value. This may not be enough coverage if you have many valuable items. Conduct an inventory of your personal belongings to find out how much coverage you need and insure them at replacement cost. For antiques or high value items, you may need to purchase a personal articles policy or additional “rider” that can provide more complete coverage.

Liability: A basic policy might include $100,000 to $300,000 of liability coverage. Considering the cost of personal injury lawsuits, you may want to purchase liability insurance with $300,000 to $500,000 limits.

For additional protection and peace of mind, consider buying an umbrella liability policy which can add another $1 million or more in liability coverage. An umbrella policy is an excellent way for anyone to increase liability protection, but is an especially good idea for anyone with higher than average assets to protect, or particular liability concerns.

Whichever policy you decide is right for you, let us help you find it at the right price. Call ECI Insurance Agency at (405) 373-2977 for more information on Oklahoma City home insurance.
(Source: TrustedChoice.com)
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