1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a

Anyone who owns a home recognizes its importance and substantial value. Homeowners insurance provides security and peace of mind in the event of an unexpected catastrophe. When evaluating and comparing insurance companies, it is important to understand the numerous coverage and policy options that are available for homeowners. Qualified insurance agents can be helpful in