How to Purchase Homeowners Insurance

Buying your first home is a great accomplishment. To protect your newly purchased investment as well as your personal valuables, you’ll need to get homeowner’s insurance. In fact, if you have a mortgage, the escrow on the house won’t close unless you show the broker proof of homeowner’s insurance.  While getting homeowners insurance isn’t too complicated, it does require a lot of time and research.

The first place to look for homeowner insurance is with the company that you have an auto insurance policy with. Many insurance companies give discounts when members bundle their auto and homeowners insurance policies. If you’re looking for affordable home and auto insurance in San Diego, CA, get a quote from American Tri-Star Insurance, the city’s top choice for comprehensive and affordable insurance services.

For more information or to get recommendations on other insurance companies, you can try contacting your bank attorney, mortgage broker or a local CPA. Once you have a couple policies in mind, compare their quotes at different insurance companies. Be sure to know what policy you can afford and select the best one for your budget. It is important to keep in mind that all homeowner’s insurance policies have a deductible you must pay up-front. Typically, the higher the deductible, the lower your monthly premiums will be. Many insurance professionals recommend purchasing a policy with at minimum deductible of $1,000.

When shopping around for homeowners insurance, contact American Tri-Star Insurance. We offer affordable San Diego property insurance for every budget and will help you pick the policy and coverage that meets your individual needs. For more information, contact us today at 619-272-2100.