Once the glamour of buying your first home starts fading, the realities of getting home insurance start to bubble to the surface. Get through this intimidating process by having a plan and considering this homeowners insurance in Decatur, GA buying guide.
Types of Coverage
Make an informed decision by knowing what types of policies you have access to. Several of the most common are guaranteed replacement cost, replacement cost, and actual cash value. These different levels of coverage vary in costs, depending on your unique home situation.
You may have a lot of possessions in the house, in which case you would be better suited with actual cash value. The value of your house and any belongings inside after deducting depreciation are covered. A policy that is a bit more comprehensive is the guaranteed replacement cost, which pays for whatever it costs to replace or repair your home. Read more on this article: