Homebuyers' Guide to Homeowners Insurance: Key Considerations Before You Buy

February 22, 2025

Spring is a popular season for homebuyers, and while searching for the perfect home is exciting, it’s essential to consider homeowners insurance early in the process. Protecting your investment starts with choosing the right insurance policy. Sablich Insurance Group is here to help you navigate the complexities of homeowners insurance so you can buy with confidence.

Understand Coverage Options

Not all homeowners insurance policies are created equal. As you prepare to buy a home, ensure you understand what is covered, including:

Dwelling Coverage: Protects the structure of your home from covered perils such as fire, storms, and vandalism.
Personal Property: Covers belongings like furniture, electronics, and clothing.
Liability Protection: Shields you from legal responsibility if someone is injured on your property.
Additional Living Expenses: Pays for temporary housing if your home becomes uninhabitable due to a covered event.

Evaluate the Home's Risk Factors

Before purchasing a home, consider factors that may affect insurance premiums:

Location: Proximity to fire stations, flood zones, and crime rates can impact costs.
Roof Condition: Many insurers require roofs to be within a certain age range for coverage.
Home Systems: Outdated electrical, plumbing, or heating systems can increase premiums.

Compare Insurance Quotes

Work with an independent insurance agent like Sablich Insurance Group to compare quotes from multiple carriers. This ensures you receive comprehensive coverage at a competitive rate tailored to your needs.

Ask the Right Questions

When evaluating homeowners insurance, ask:

What perils are covered and excluded?
What is the deductible?
Are additional coverages needed, such as flood or earthquake insurance?

Buying a home is one of the most significant investments you’ll make. Partner with Sablich Insurance Group to secure the right homeowners insurance policy. We’re dedicated to providing personalized service and expert guidance every step of the way. Raise Your Expectations.

Sablich Insurance Group is licensed in Pennsylvania and New Jersey.