Buying Homeowners Insurance: Expectations Vs Reality

When we work with a first-time home buyer, often the expectations for what home insurance provides, how much it costs, and how you get it doesn’t match reality.

Today we’re going to discuss those differences and what you can do to ensure you get the home insurance coverage you need.

This short video explains…

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Homeowners Insurance: Expectations Vs Reality

When it comes to purchasing homeowners’ insurance, and this is particularly the case for first-time home buyers, there tends to be a disconnect between the expectations of what purchasing homeowners’ experience should be versus reality.

And unfortunately, many personal insurance providers:

  • Still work off paper forms,
  • Ask way too many questions, and,
  • Have limited options for coverage and pricing.

Worse yet, they don’t slow down and take the time to explain to you what you’re purchasing, what is covered, and what isn’t on your home insurance.

Demand Transparency

A lack of transparency when purchasing homeowners insurance can lead to gaps in coverage and overcharges in the future.

Transparency is one of the core principles that Rogue Risk is founded on.

By making our homeowner’s insurance purchasing process simple, we can take the time to find out what is important to you and your family.

That might sound like a little thing, but it’s not.

Getting a better understanding of you, your home, and the things you’d like to protect can be the difference between a covered claim and paying thousands of dollars out of pocket.

Find The Right Homeowners Insurance

Don’t make the mistake of believing homeowners insurance is a commodity.

When it comes to homeowners insurance, you have many options. At face value, they will all look similar and you’ll be inclined to choose strictly on price.

Please don’t fall into this trap.

As someone whose been helping families with home insurance for over 15 years, I’ve seen far too many instances where choosing the wrong homeowner’s insurance carrier (because of a cheap price) costs thousands, if not tens of thousands of dollars after a loss.

At Rogue Risk, we’ve partnered with 15 of the best homeowners insurance carriers in the country for their ability to:

  1. Deliver tremendous claims service,
  2. Provide world-class coverage, and,
  3. Offer competitive pricing.

I’ve listed these attributes specifically in their order of importance.

Just to be clear, great coverage and claims service DOES NOT mean a higher price.

Easy to Work With

It shouldn’t be “work” to do business with your insurance agent.

There are still insurance providers that force you to hand-sign paperwork or use a fax machine. This doesn’t mean they’re bad, but there is a more convenient way.

At Rogue Risk, we’ve invested in online tools to more conveniently deliver our service, such as:

  • Video proposal technology,
  • Text messaging,
  • E-signature,
  • and more…

In a post-COVID world, having the option to be 100 percent virtual is prudent. You live a busy life (as we all do), and taking an hour out of your day to drive to our office shouldn’t be mandated (although we’d love to have you if you prefer).

The Rub

Everything we do here at Rogue Risk is meant to exceed your expectations for purchasing insurance.

Coverage, price, and customer experience, it’s all built to fit your life.

If you have questions about your homeowners’ insurance, both from either a coverage or price perspective, or you want to make sure you’re working with a great company that’s always going to be there when you need them, give us a call.

We are homeowners insurance experts, which we do all day long here at Rogue Risk.

You can call us at (518) 960-6600 or click here to contact us online.

Thank you, and have a great day,

Ryan Hanley

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