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You might be making the move from renting to buying, building a new home or moving to a new neighborhood. In any case, you’ll make a lot of important buying decisions about your new home along the way…price, location, features… just to name a few. You’ll also need to make some decisions about insurance. And when you do, here are a few things you might consider…

 

Your Home

  • How much would it cost to rebuild my home at today’s prices?
  • How can I make my home safer and possibly save money?
  • Should I purchase flood insurance?

Your Property

  • What would it cost to replace the contents of my home?
  • Do I have an inventory and photographs of my personal possessions? If not, don’t wait for disaster to strike. Download Allstate’s free home inventory software now and create a room-by-room inventory of your personal possessions.

You and Your Guests

  • What kind of protection do I have against liability claims?
  • Will my guests’ medical expenses  be covered if they’re accidentally injured on my property? 

 Your Coverages

  • How can I personalize my policy with extended coverage on computers, silverware, jewelry and more?
  • How often should I reevaluate my coverages?
  • How much should my deductible be?
  • Do I need or have reimbursement for additional living expenses if I can’t live in my home due to a covered loss?

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Policy Coverages

First

  • Understand which coverage elements are common among all Allstate property insurance policies:
  • Personal Property. To protect movable personal property, mostly within your home.  Certain coverage limits apply.
  • Family Liability Protection. To pay for covered damages which you’re legally obligated to pay.
  • Guest Medical Protection. To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
  • Additional Living Expenses. To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.  

Second

Personalize your policy with additional coverages such as:

  • Replacement Cost Coverage. For many of your contents (subject to applicable underlying policy coverage limits).
  • Scheduled Personal Property Coverage. With increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, computers, cameras and sports equipment.
  • Increased Building Code Coverage. For example, if your home is damaged or destroyed you’d need protection to bring it up to today’s code standards as it is repaired.
  • Portable Cellular Communication Systems Coverage.
  • Satellite Dish Antennas Coverage.
  • And many more!  

Finally

Since most Homeowners, Condominium, Mobile Home,* or Renters Insurance Policies don’t cover a flood, find out if you’re eligible for a Flood Insurance Policy. 

 

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