1. Value of a personal agent: As a first time home buyer, there is a lot to learn about home insurance to make sure you are protected right. Having someone you trust to advise you is key and will make sure nothing is missed and that you have a personal contact to help you any time. Home insurance is not one size fits all.
2. Flood and Earthquake Insurance. These are two disasters in our area that are a concern and are not covered on your home insurance policy. A flood can happen even if you don’t live by a water source. These options are much more reasonable that most expect so it’s worth looking at your options for your peace of mind!
3. Roofing. Roof damage or damage from leaks in roofs is one of the more common claims. I would recommend requesting any roofing documentation from the seller prior to close so that you have on hand in case you ever have a problem. It also may add a discount to your policy, so it’s great information for you to have!
4. Life Insurance. Now that you have a significant new asset, it is time to revisit your life insurance needs. Heaven forbid something happens to you and your income is depended on, that can put a significant strain on your family. People tend to put life insurance to the back burner, but remember that this protection is for your family and can have a huge impact if the worst happens.
For more information, visit http://www.farmersagent.com/tjacobson
