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For over 90 years, we have been protecting our customers from the unexpected. Whether it is business or personal, you can feel protected with us. Not only do we help protect businesses, families and individuals with their insurance needs, we help our community. Giving back to the community that supports us is a something we value very highly!

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6 Tips to Getting the Right Home Insurance

If you have a mortgage, home insurance is most likely required by your lender. However, even if your home isn't financed, purchasing an appropriate home insurance policy is still highly recommended. To find the perfect home insurance policy, consult the tips below.

1. Know what you need.

Before you can start shopping for home insurance, you need to know how much coverage you need. To calculate your coverage needs, you must know your home's current market value, which is the amount of money a buyer would be willing to pay for the home. You must also know the home's replacement cost, which is the amount of money you would need to replace the home if it was destroyed.

2. Make a list of your possessions and their values.

In addition to providing coverage for your home's structure, your home insurance policy also covers your possessions. To ensure that your coverage amount is appropriate, make a comprehensive list of the valuable items in your home, their value and the date they were purchased. For particularly valuable items, consider taking photographs.

3. Keep your list in a safe place.

Having a comprehensive list of your possessions and their value won't be beneficial unless you keep the list in a safe place where it won't be destroyed in a disaster. Consider placing it in a fire-proof safe or in a safety deposit box away from the home.

4. Understand how insurers calculate your premium.

Insurance companies calculate your premium based on the risk they take when they provide you with the policy. The higher the risk to the company, the higher your premium will be. Certain factors such as the location of your home, the crime rate in your area and the distance to the nearest fire department will affect the cost of your premiums. Understanding these factors in advance will simplify the process of finding an insurance policy.

5. Look for ways to save money.

Once you understand how premiums are calculated, you can start looking for ways to save money. In general, anything that makes your home safer can potentially lower your insurance premiums. Examples include updated wiring, sprinkler systems, burglary alarms and deadbolt locks. Mention all of these factors to your insurance agent so that you can be sure you are getting the best deal.

6. Understand your coverage.

Before purchasing a policy, read it carefully so that you know exactly what it covers and what it doesn't. If you feel that the policy's coverage is lacking, look for other options or purchase additional coverage, such as umbrella insurance. The independent agents at Pacific Unified Insurance can help you compare your options and find the right home insurance policy. Contact us today for a quote.

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Featured Team Member

Featured Team Member

David Leahy


Born and raised in Southern California, Dave was educated at Loyola High School and Arizona State University. After graduation, he founded two successful restaurants in Arizona, eventually selling them to move back to California. He began his insurance career working for…

Read More About Dave Here


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