Homeowners Insurance - 1st Mariner Mortgage

Finding the right homeowners
insurance requires research and preparation. To save you time and
potential surprises, the loan professionals
at 1st Mariner Mortgage have developed these
tips to get you started! Choosing the right kind
of homeowners insurance from the right
company is important. Here are some tips to
help you in the process.  First, get past the
advertising fluff.

Just because a company has
the advertising budget for big mailings with
flashy brochures, that doesn't necessarily
mean it's the best. Always do your homework, and don't buy from the
first company you see.  Check your state's website, because they generally
provide good information on what your homeowners
insurance will cover in terms of local
weather conditions, state codes and
zoning issues. Also, many states list
consumer complaints against particular companies from local residents.

Make sure the coverage
is appropriate for you, by comparing the
company's areas of focus with the needs of
your particular home and geographic area.  Familiarize yourself
with the claims process. It may turn out that
making a repair yourself will be less expensive than the increase in your
premium if you file a claim.  Finally, get a home inspection
by a certified professional, and make sure that any potential
problems he discovers are covered by your
policy before you commit.

Buying homeowners insurance
is like anything else: doing your homework before you buy will always pay dividends..