Choosing home insurance could turn out to be one of the most important decisions you make as a homeowner. At Daniel Carinici Agency LLC, we can offer you information and assistance to help you make that decision.
There are a few things you need to do when you’re on the market for home insurance in Pittsburgh, PA.
The following are four essential rules to follow when you insure your home:
Understand the difference between replacement value and actual cash value.
You can either get replacement value coverage or actual cash value coverage on your home insurance policy.
You should know that replacement value coverage will generally offer you more because this type of coverage allows you to completely replace your home if it becomes destroyed. On the other hand, actual cash value policies only compensate you for the current market value of your property.
Get alternative accommodation coverage.
If your home experiences extensive damage, you may not be able to live in it for a certain period of time. Alternative accommodation coverage will pay for temporary lodging for your household if this happens.
Know the value of your property and possessions.
For complete coverage, you should have a policy that offers you the full value of your property and possessions in coverage. That’s why it’s a good idea to have your home and valuables appraised when you purchase home insurance.
Consider making some updates to your home.
Making your home safer and more secure can qualify you for insurance discounts. You therefore might want to consider investing in home updates before purchasing insurance.
Are you ready to insure your home in Pittsburgh, PA?
If you’re looking for a policy quote, we’ll be happy to come to your assistance at Daniel Carinici Agency LLC. Call or go online to learn more about the home insurance coverage options that we offer.
