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Six Tips for Choosing a Homeowner’s Insurance Policy

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September 10, 2026

by Jesse Murphy

Nobody likes dealing with insurance — or maybe I’m just projecting in that statement? Either way, while homeowners insurance is not fun, it is crucial. Unfortunately, these days the world seems to remind us too often about the importance of having adequate coverage. Here are six tips for assessing a policy and ensuring you are sufficiently protected.

    1. Document Your Assets: Take a video of your home to document your assets and their quality. Should anything happen, this will help secure coverage for the full value of your loss.
    2. Know Your Coverage Options: Take time to review and understand coverage options. If you need, here’s a good article to familiarize yourself on the basics.
    3. Compare Quotes: Rates vary widely between providers, so get at least three quotes before deciding. You can also check company reputation and financial stability through organizations like J.D. Power or AM Best.
    4. Bundle Coverage for Discounts:  We’re bombarded with insurance ads, and this tip is mentioned in all of them—but it’s actually a great way to save.
    5. Be Aware of Policy Gaps: Make sure you’re always covered and avoid a gap in coverage when starting or switching plans. Also, be sure to notify your mortgage lender when you make any changes.
    6. Optimize Your Coverage: As in, don’t pay for more than you need. Then, reassess your policy every couple years so you don’t become under covered as construction costs rise.

    Reading: Six Tips for Choosing a Homeowner’s Insurance Policy

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