What is the best homeowners insurance for you? The answer is probably not that obvious to you because most of us have not taken the time to understand our homeowner’s insurance. We would much rather turn that responsibility over to the insurance professionals. There is nothing wrong with that approach but it still leaves you a little bit too uninvolved over a very important insurance purchase. People have a natural fear of the unknown. We like to steer clear of things that are unfamiliar to us. Our insurance is often one of those things that we would rather just avoid. That may come in part from the old days when insurance was purchased under pressure from the insurance agent. That method of sales has just about vanished in property and casualty insurance. People willingly contact agencies about policies and coverage. The agent is more like a consultant these days. The best homeowners insurance is usually purchased when we ourselves have a better understanding of our policy and how we want to be serviced. The insurance atmosphere is much more professional and there are more ways to purchase insurance. Purchasing online or by telephone is becoming as common as purchasing from the local agent.
The homeowner’s policy itself has a couple of integral features and benefits to consider. Buying replacement cost insurance verses actual cash value insurance is one of your most important decisions. Replacement cost homeowner’s policies settle any loss by replacing or repairing your dwelling and its contents with like kind and quality without depreciation. Actual cash value allows for depreciation and expects you to make up the difference as an out of pocket expense.
The most important cost savings decision that you will make is the size of the deductible. It makes sense to have as high a deductible as possible on your home policy because of the infrequency of claims.
The best homeowner’s insurance for you revolves around how you want to do business, whether to purchase replacement cost or actual cash value, and the size of your deductible. These three areas will lead you in the right direction.
Compare home insurance quotes today and save
Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation. He has a natural ability to manage complex situations and achieve outstanding results for his clients.
Calfee is constantly looking for ways to improve professionally and has worked diligently to revamp his team’s handling of the needs and expectations of his clients.
Calfee specializes in developing, designing and implementing complex property catastrophe insurance programs for his clients. His market knowledge and client service skills have made Calfee a sought-after property resource for Massachusetts coastal residents.
Rental Home Insurance
Rental Condo Insurance
Personal Umbrella Policy
Off Road Vehicles
Motor Home Insurance
Mobile Home Insurance
Travel Trailer Insurance
Boat & Yacht Insurance
Jet Ski Insurance
Apartment Building Insurance
Condo / Condominium HOA Insurance
Lessors Risk Insurance
Commercial Real Estate
Office Building Insurance
Business Owners Policy Insurance (BOP)
Commercial General Liability Insurance (CPP)
Business Auto Insurance
Real Estate E& O
Errors & Omissions Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Group Life Insurance
"Key Man/Woman" Insurance
This blog is intended to promote local events, businesses & non-profit organizations through out our network.
Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport