Consider an inflation guard endorsement. Your coverage will be automatically adjusted to inflation each year. If you elect this coverage, check with your agent that the amount of increase accurately reflects the cost of replacing your home. If it does not, increase or decrease the coverage as needed. Take advantage of the competitive environment insurance companies operate in.
Discounts vary from company to company and from state to state.
Obtain three written estimates on comparable policies and services. Look into group plans. Alumni associations and professional organizations often procure group discounts for members. See if one of your memberships offers a discounted rate in homeowners insurance. Contact Brenda with any questions you have about the home-buying process.