You'll need enough insurance to cover the cost to rebuild your home at current construction costs. This amount doesn't include the cost of the land and isn't related to the price you paid for your home, current market value, tax value or loan amount. The cost of rebuilding your home could be more or less than the price you paid or could sell it for today due to the change in construction costs. We can assist you in determining how much it would cost to rebuild your home by completing a cost estimator.

Some factors considered are:

• Local construction costs
• The square footage of the structure
• The type of exterior wall construction—frame, masonry (brick or stone) or veneer
• The style of the house (ranch, colonial)
• The number of bathrooms and other rooms
• The type of roof and materials used
• Other structures on the premises such as garages, sheds
• Fireplaces, exterior trim and other special features like arched windows
• Whether the house, or parts of it like the kitchen, was custom built
• Improvement to your home—adding a second bathroom, enlarging the kitchen or other additions that have added value to your home

Collision coverage is when you have a collision with something like another car. Comprehensive coverage is when it's anything else other than a collision—such as damage from road debris, fire or theft. Most people would have both coverages when using their car on a regular basis. Sometimes when someone is just storing a car, they may only keep comprehensive coverage since they aren't using it on the road therefore, it's unlikely to be in a collision.

When shopping for a homeowners insurance policy, you may not end up with the best coverage if you only shop by comparing prices and not by comparing coverage. Your home is one of the most important purchases you'll make. Take the time to understand your insurance before you purchase it. It's one of the best decisions you make for yourself and your family.

The premium you pay is a direct reflection of your driving record for the past 3 to 5 years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets or accidents are more likely to have additional accidents than drivers with clean records.

Flood damage isn't covered by most homeowner policies. We can provide a separate policy through the National Flood Insurance Program and beyond for additional coverage needs.