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Morgan Hege Insurance Agency

Shopping for a new home insurance can be very stressful. And if you’re in escrow, there are many things to think about; from getting financed, locking in an interest rate, closing escrow, to where to put the couch!

Insurance is one of those things that tend to get pushed to the back burner. However, there are some important questions to ask:

  • How much is it going to cost to insure my house?
  • Do I need Flood Insurance?
  • Do I need Earthquake Insurance?
  • Are my jewelry and other valuables covered?
  • What deductible makes the most sense?
  • What discounts do I qualify for?
  • If I bundle how much will I save?

Making an informed decision about how to protect one of your largest assets (your home) is an important decision. Protecting it correctly should be a top priority. Your mortgage lender may require fire insurance, but unless you home is in a flood zone or on a fault line, you may not be required to purchase flood or earthquake insurance. How do you know if you need this type of protection? Are there other coverage and limits you need to think about as well?

We’ve created a special report for Shopping for insurance on your home I invite you to Download our free special report for home owners to learn 7 secrets to getting proper coverage, at the lowest possible price.

CLUE® Report

Does your realtor have a CLUE®? Many home owners are getting natural hazard disclosures describing fire, flood and earthquake risks to a property, but they may not be getting a CLUE® report. A CLUE® report is an insurance claim filing history on the property. Think of it as a credit score on the property. As a free service to home buyers we provide a free CLUE® report with each home insurance quote we provide.

Fire Hazard

Many home buyers are unaware of the fire exposure the property may posess. Many insurers have become very sensitive about certain neighborhoods, if you don’t know which insurance companies are competitive in your specific neighborhood, you may end up spending hundreds of dollars more than necessary for fire insurance. We shop the market for all our clients to give them the best possible quotes for their unique property location and fire exposure.

Bundle and Save

You may have had your car insurance with one insurer, and your home insurance with another, or you may think that all discounts are the same. But in many cases insurers are willing to offer better rates and offer a savings of up to 20% for bundling home and auto insurance together. If you are changing zip codes, your auto insurance rates are changing too. You owe it to yourself to be a good stewart of your household spending. Get a quote on bundling your home and auto insurance.

Umbrella Liability

Umberlla liability insurance extends liability protection over your entire household and assets. Many times the cost of adding an additional $1,000,000 of protection is completely off set with the bundled discount. Add an umbrella to guard against personal liability, and protect your assets even more.

Scheduled Personal Property

Many people are unaware their contents coverage has specific sublimits for thieft of valuable items like jewelery , guns, artwork, and valuable collectibles. Consider adding line item coverage for these irreplaceable keepsakes and family heirlooms to give you added protection and peace of mind.