Three things to remember when purchasing home insurance

The best thing you can do to protect the investment you make in your home is to purchase quality home insurance coverage. We can help with that at AFI Insurance. We insure the homes of consumers in Denver, CO.

The following are three things you should remember when you purchase home insurance.

Home insurance coverage generally won’t include flood insurance.

Every homeowner needs to realize that a standard home insurance policy doesn’t generally cover flood damage. You need to invest in flood insurance separately.

You should be aware of the flood risk of your area as well as any possible FEMA flood insurance subsidies when you purchase flood insurance for your home. 

You need to make sure outbuildings are covered.

Another detail of your flood insurance policy you definitely want to look into is outbuilding coverage.

You can’t automatically assume that outbuildings like detached garages or barns will be covered under a standard policy. You need to read the fine print. You might have to invest in added coverage to get your outbuildings covered. 

You may benefit from investing in home improvements. 

Before you select a home insurance policy, it might be worth your while to look into the benefits of doing some home improvements. Home insurance providers might give you a better deal if you make some improvements to your home that enhance safety and security. 

Home improvements can do more than just get you a better deal on home insurance. They can also mean you’ll be more safe and secure in your home. Moreover, improvements can also bring up the resale value of your home. 

Would you like to learn more about purchasing home insurance in Denver, CO? Let us come to your assistance. Contact us at AFI Insurance with your inquiries and questions when it comes to your home insurance choices.