buying a home

How Insurance Agents Can Help You When Buying a Home

As you embark on your home buying journey, get some local advice. While your local insurance agent may not be the first person you’d think to call when you want to buy a home, they can offer some valuable insight into homes in the area. Loop your insurance agent into your process for some additional tips. Buying a home is a big investment. Having another opinion can make you feel more confident in your purchase.

They Are Local Experts

Your insurance agent is an expert in the local community. They can to help steer you in the right direction when looking to buy a home. Not only do they work in the local community, but they are members of the community themselves! Because they are knowledgeable about the local happenings, they will be able to make recommendations based on what you are looking for. They can share tips on daily life, make recommendations on school districts, and weigh in on community safety.

Call us at 413.475.283
Complete our online quote form today

Estimate The Cost Of Home Insurance Coverage

Because your insurance agent works in the local area, they will be able to help you make an informed decision on your homeowner’s insurance coverage. Their familiarity with the market and what kind of insurance a house may need can give you a better estimate of the costs you’ll be incurring with a home purchase. Don’t go in blind! On top of the payment for your home, it’s important to allocate funds to protecting your future home as well! Things that can affect the cost of your homeowners insurance include:

  • Size of the house
  • Location
  • Whether there is a pool or trampoline
  • Distance from fire hydrants or the fire station
  • Other amenities or safety features

What Types of Coverage You Need

Not only can your insurance agent help you estimate the cost of your insurance coverage, but they can also help you get the coverage you’ll need. While you’ll likely need some general homeowners insurance, your agent can make recommendations based on things they’ve seen. For instance, they may recommend additional coverage for things like water backup and sump overflow, roof restoration, or equipment breakdown. They can also answer questions about replacement costs and any other “what ifs” you may have!

Call us at 413.475.283
Complete our online quote form today

Insight Into Previously Filed Claims

Another advantage of using a local agent is that they may have access to previous claims made at that house. Depending on what types of claims have previously been filed, they can help you spot warnings of long-term issues. With this knowledge, you’ll be able to get ahead of any red flags! 

Reviewing Your Home Inspection

A critical step in buying a home is the home inspection. Once the inspection is complete, share the report with your agent. They can lookout for any potential hazards or warnings that you might have missed. They can also flag down issues that may impact your insurance rates. These include issues with:

  • The roof
  • The electrical system
  • Cracks in the foundation
  • Mold or mildew
  • Insect or animal damage
  • And more

Don’t hesitate to reach out to your local insurance agent when buying a home. At Encharter, we are here to help our community! Drop us a line if you have any questions about buying a new home or your insurance. 

Talk to an Encharter agent about your home buying journey!
Complete our online quote form

Read More