Getting numerous quotes to compare is one of the most important things you can do when you’re selecting a home insurance policy. At Busick Insurance Agency LLC, we offer home insurance policies for homeowners in Orleans, IN.

The following are three things to know about evaluating home insurance quotes.

The cost

Of course, the premium cost is an important consideration for any home insurance quote. However, homeowners should not simply purchase the policy with the lowest quote amount.

The average home insurance premium in Indiana is $983 annually. The more valuable your home is, the more expensive its insurance costs will be. You should consider the premium cost you’re quoted in combination with other policy factors when making a decision. 

The types of coverage included

Read the fine print when you receive a quote on a home insurance policy. Understand the ins and outs of the coverage that’s being offered to you.

Understand how much coverage is offered and what the policy maximums are for coverage types like liability coverage and property damage coverage. Also, find out if outbuildings or home-based businesses are covered under policies you’re quoted for.

The add-on options

You also need to evaluate the add-on policy choices for individual policies you’re considering after receiving quotes. One of the primary types of add-on coverage you may want to look into is flood damage coverage.

Flood damage coverage is not automatically included in most home insurance policies. However, it’s an important type of add-on coverage to have. Other types of add-on coverage to consider are earthquakes, sewage backup, and underground service line coverage. 

We’re here to help you explore your insurance options in Orleans, IN. If you have a question about our policy offerings, get in touch with us for assistance at Busick Insurance Agency LLC.