Home Insurance

Home Insurance is the one of the most powerful pieces of insurance most people have.

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  • Primary Reason: 1:1000 risk of house burning down in any given year. That’s why you have home insurance, so someone else can take on that risk. What you have to decide is how much risk are you willing to absorb in the form of a deductible. The reason why this is important is because you’re telegraphing to the insurance company how likely they are going to have to pay out on this policy. This is why the deductible is so important and so powerful. If you want a low deductible you’re telling the insurance company that you are very likely to make a claim. If you have a ridiculously high deductible, you’re basically telling the insurance company you will probably never make a claim on your home insurance. As a result, you’re going to get a much better rate.
  • Comes in with Liability Protection. You can have a home policy have a rider that is a personal liability protector that will protect you if you create an egregious act on someone else. Lots of things you can do with home insurance that are really neat.
  • Home Insurance is extremely customizable. i.e., if you’re older and have a $6-$10k set up hearing aids, you can have that covered on your home policy with a special rider. Jewelry, DJ equipment, etc.
  • You can have an in-home business coverage. You can have a policy that allows you to rent part oof your home to your business or to a 3rd party.