What To Look For When Buying Home Insurance? 
This is a great question that I was just answering last night with another client . The first and foremost thing that you should look for is an agent . Even though much of the world buys insurance over the phone , a local agent can help you determine what types of coverage you want and need and is familiar with the local area . Being familiar helps in determining the reconstruction cost vs the selling price vs the tax value . All three numbers are usually different . Most people do not want to be either under or over insured , and a local agent will help with that . The second thing to look for is the company writing the policy . You will never know how good your insurance is until you need it . When a minor claim happens typically every insurance company will be able and willing to pay the claim . It is when the catastrophic occurs that you really get what you pay for . Thousands of dollars and many hours can be wasted when your insurance company is unwilling to agree with you . This is also another reason to have local agent representation . Third and finally is look at what other coverages are available and discuss whether or not you want to buy those coverages or self insure . Some of my favorite must haves are : replacement cost on contents , increased construction costs and replacement cost on the home itself , a deductible that you can afford to pay tomorrow if needed , sewer back up if you live downhill of anyone , A-rated carrier , and local claims personnel . There are many more topics that need to be discussed and reviewed which is why my # 1 recommendation on what to look for when buying home insurance is a great local agent . 