When you choose a home, you look at far more than the price. Likewise, the right homeowners insurance goes far beyond the monthly premiums.
While your Varney Insurance agent will help you choose the right
coverage for your situation, it helps to understand the basics. Whether
your insurance is for a home here in Maine or a second home in another
state, homeowner's insurance has three main purposes: protecting the
structure itself, protecting the possessions inside your home, and
protecting you from liability in case someone is injured on your
When it comes to home insurance, most people err on the
side of too little coverage. Instead of skimping on coverage, those on a
tight budget may want to opt for a higher deductible, making premiums
lower without sacrificing protection.
Make sure to tell your Varney insurance agent about any high value possessions you may wish to insure; home business pursuits that may require extra liability coverage, and added safety or security features that could reduce your premiums.