{"id":838,"date":"2021-02-22T16:52:14","date_gmt":"2021-02-22T16:52:14","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=838"},"modified":"2021-06-28T09:58:52","modified_gmt":"2021-06-28T09:58:52","slug":"purchase-california-home-insurance","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/purchase-california-home-insurance\/","title":{"rendered":"4 Things to Consider Before Purchasing Home Insurance"},"content":{"rendered":"\r\n

4 Things to Consider Before Purchasing Home Insurance<\/strong><\/h1>\r\n\r\n\r\n\r\n

You are getting ready to buy a home, which means you need homeowners insurance. This much you know. If that is the extent of what you know, you are very possibly not going to get the right coverage you need for a price you can afford. Before signing a contract with a California home insurance company<\/a>, you’ll want to educate yourself on the following:<\/p>\r\n\r\n\r\n\r\n

#1 Make sure you’re comparing the same thing.<\/strong> Make sure you\u2019re comparing the same types of coverage and deductibles. Basic coverage should include the replacement cost for the dwelling and the costs of replacing personal property inside the home. Make sure the covered perils are the same in the policies you\u2019re comparing. If you’re not comparing the same coverage, one company can look a lot lower but then you’re in for a nasty surprise when you actually need to make a claim.<\/p>\r\n\r\n\r\n\r\n

#2 Consider your deductible. <\/strong>The deductible is the amount you\u2019d pay if a loss occurred and you filed a claim. When getting your quote, make sure you\u2019re offered a deductible that you\u2019re comfortable with. Deductibles are usually something like $1,000 or $1,500, but can be as high as $5,000 to $10,000 if you’re not reading the fine print. A high deductible should lower your premium, which is the amount you pay each month.<\/p>\r\n\r\n\r\n\r\n

#3 Read exactly what perils are covered.<\/strong> Your homeowners insurance doesn’t cover you from anything and everything, unless it specifically says that. Check the fine print. \u201cNamed perils\u201d coverage will list only what is covered, such as fire, smoke, lightning, and theft. If a peril isn\u2019t listed, then it\u2019s more than likely not covered. Most standard insurance policies don\u2019t cover earthquakes, unless added as an additional rider for an additional premium. Flood insurance must also be purchased and added on separately, although it may be required by the lender if the home is in a higher risk flood zone.<\/p>\r\n\r\n\r\n\r\n

#4 Take your time! <\/strong>This isn’t something to rush. When you’re shopping for a new house, you have plenty of things to shop for: a real estate agent, the house itself, a loan, appraiser, and more. Adding homeowners insurance to your list is a must! Start shopping for the right company and the perfect policy before the closing date so you can find the best rates and ensure proper coverage. You’ll want to contact insurers for custom quotes as soon as possible since you won’t actually know what your monthly mortgage payment will be without this number.<\/p>\r\n\r\n\r\n\r\n

What do homeowners need to consider before they purchase home insurance? How can you make sure that you get the right coverage at the right price? Be sure to look into getting the coverage you need through Pronto Insurance. All you need to do is tell us a bit about yourself and your home so we can provide you with a free homeowners insurance rate quote<\/a>. It could not be any easier!<\/p>\r\n","protected":false},"excerpt":{"rendered":"

4 Things to Consider Before Purchasing Home Insurance You are getting ready to buy a home, which means you need homeowners insurance. This much you know. If that is the extent of what you know, you are very possibly not going to get the right coverage you need for a price you can afford. Before … <\/p>\n

Continue reading “4 Things to Consider Before Purchasing Home Insurance”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"jetpack_featured_media_url":"","yoast_head":"\nPurchase California Home Insurance - PRONTO Blog<\/title>\n<meta name=\"description\" content=\"Before you purchase California home insurance, there's a lot to consider. Pronto Insurance is here to help you!\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/purchase-california-home-insurance\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It's our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/purchase-california-home-insurance\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/purchase-california-home-insurance\/\",\"name\":\"Purchase California Home Insurance - PRONTO Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\"},\"datePublished\":\"2021-02-22T16:52:14+00:00\",\"dateModified\":\"2021-06-28T09:58:52+00:00\",\"author\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/16d009c819b29c036f8b6d0f4527ad52\"},\"description\":\"Before you purchase California home insurance, there's a lot to consider. Pronto Insurance is here to help you!\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.prontoinsurance.com\/blog\/purchase-california-home-insurance\/\"]}]},{\"@type\":[\"Person\"],\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/16d009c819b29c036f8b6d0f4527ad52\",\"name\":\"Prontisimo\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b58996c504c5638798eb6b511e6f49af?s=96&d=blank&r=g\",\"caption\":\"Prontisimo\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/838"}],"collection":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=838"}],"version-history":[{"count":2,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/838\/revisions"}],"predecessor-version":[{"id":840,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/838\/revisions\/840"}],"wp:attachment":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=838"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=838"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}