Buying a home is one of the most important purchases for any family. It is not a surprise for the lender and the home owner to want to protect this investment. This is exactly what homeowners insurance does and, in fact, is necessary to have it in place in order to close on a new home purchase. This will become a monthly payment and usually added into the mortgage payment. You should take this purchase very seriously. The insurance is your safety net if anything were to happen to the house, this will provide the money needed to replace or rebuild your home. A local independent insurance agent can give you the service with the most choices for you.
An independent insurance agent is well known in the community and is valued by the community because they have made the commitment to serve the local people. Their business increases as the community grows. They build on the success of the town and the neighbors. The independent agent has a stake in the prosperity of the town he lives in and will work with each of his customers to ensure a quality fit for their insurance needs. He represents more than one company so he will custom fit you to the one that is the best for you.
Unfortunately, too many wait until the last minute before the house closing and need to make a move to buy their insurance quickly. Some will just hop on line and grab the least expensive option just to have the proof of home insurance that is required in order to close on their house. This is no way to treat one of the most important purchases in your life. You need to pick a policy that will provide the most protection and value for you and your family. It is worth it to shop around and work with some one who is a vested member of your community.
An independent agent from your community won't mind taking the time to ask you the right questions in order to structure a policy just for you. Your satisfaction is important to him as he depends on your referrals to build his business also. You are taking care of each other and building your own community. He wants you to tell all of your friends that you were treated like a real person and not like another statistic. Your local agent will remember to send you reminders each year and will meet with you to up date the coverage as needed. Take a few extra minutes before you buy your home to locate your own personal local agent. Your home and family are worth it.