THINGS TO KNOW WHEN BUYING HOMEOWNERS INSURANCE
SHOP YOUR POLICIES
- If you have been with the same carrier for more than 5 years, you are probably overpaying.
- Trident Insurance will shop your policies for you with only top-rated carriers.
- If you are going under contract to purchase a home within the next 45 days, getting your insurance quote before you begin the loan process may result in a better premium.
- We will work directly with your loan officer to provide a seamless closing process.
UNDERSTAND YOUR COVERAGE
- Our goal is to provide you with the most appropriate coverage at the lowest price.
- Your policy will include the most commonly used coverages along with recommended coverages to ensure you are fully covered.
- Also known as an excess liability policy, an umbrella policy protects you and your family in the event you are found liable for a covered accident under your home or auto policy.
- Umbrella policies start at $1 million in coverage and are relatively inexpensive.
- The coverage will kick in once the covered claim has exceeded the underlying policy liability limit.
UNDERSTAND YOUR DISCOUNTS
- Most carriers offer the largest discounts for bundling your insurance policies together.
- Other discounts include having a new roof, a monitored fire/burglar alarm on your home, good student discount on your auto policy, paying your auto policy in full, and more.