Homeowner's Insurance Is Like A Smorgasboard ~ Plenty Of Choices

I find it hard to go to a buffet..there are always so many choices it makes your head spin!  It's good to take the lead from someone who knows what is good and can advise you!

Checking out Home Insurance Companies, all they have to offer and compairing rates can also be a daunting task.  You want to know you are comparing apples to apples.

In purchasing a home today it is wise to investigate options for homeowner's insurance early rather than later.  There are many items that may need to be considered in making sure your bases are covered.  Most companies have tightened their underwriting requirements on new policies and are requiring pre-closing insurability inspections.  There are many added endorsements to consider and should be included in the initial policies.

*Are you in sales and need extra liability to cover certain "business" pursuits through an additional endorsement?
*Do you own several other properties, some as rentals?  Make sure there is Liability extension taken out to other owned    properties.  I've seen some who just assumed their other properties were covered.
*Do you include a Personal Injury Endorsement to your policy?  This adds "personal injury" to Liability coverage.  This broadens  coverage to include defamation or invasion of privacy, wrongful eviction, false detention or imprisonment.  This could arise  from a simple act of an insured who tries to stop people from vandalizing their property by detaining one who turns out to be a  spectator not a participant.