What To Look For In A Homeowners Insurance? 
Be sure to take the time to talk with your Insurance professional about the details of your home . Be sure to include any improvements you have made such as installing an alarm system or upgrading electrical , plumbing or HVAC systems or putting on a new roof . These may qualify you for discounts . Your agent should inspect your property and complete an accurate Reconstruction Analysis to determine the proper recommended coverage . The policy should be issued by a financially solid company so ask for their ratings by AM Best or Moody 's etc. . The coverage should be broad with the exclusions clearly indicated . Understand that two important exclusions that are pretty universal are for damage caused by earth movement and flood . You can endorse coverage for earth movement into your Homeowners ' policy but Flood insurance must be purchased separately . 