7 Homeowner Insurance Purchasing Tips for First-Time Buyers

Severe weather, theft, fire or even something as small as a broken pipe… these problems can turn your life upside-down. Moreover, you are looking at damages worth thousands of dollars, which can break you financially. Fortunately, homeowners have a safety cocoon they can buy to protect their house: homeowner’s insurance policy.

This insurance policy does not just cover the home for sale in Sandy Springs, GA but the belongings in it too. In case of accidental damage or any natural disasters, you can claim insurance to repair your house.

Areas Covered in Homeowner’s Insurance Policy

  • Roof
  • Windows
  • Personal belongings
  • Structure
  • Furniture
  • Liability for any injury or damage caused by your pet or you
  • Liability for all non-residents who might get injured on your property

You have to carefully choose a home insurance policy because some of them do not cover the following things:

  • Malfunctioning of appliances and systems
  • Acts of War
  • Earthquakes
  • Floods
  • Slow Leaks
  • Neglect or Aging
  • Power Failures
  • Faulty Repairs

7 Homeowner Insurance Purchasing Tips

You are probably wondering that with so many disasters not covered in the home insurance policy, how do you protect your house. Following are seven tips that will help you purchase the right home insurance policy that covers most of the disasters:

1. Prioritize Value and Service

Always ask for recommendations from your family, friends and neighbors when shopping for an insurance provider. Have they ever filed an insurance claim? What kind of response did they get? Don’t go for the cheapest policy. Read online reviews and then make your decision based on the information you have gathered.

2. Choosing Level of Coverage

It’s possible that the repair cost might be higher than the original construction cost of the structure. So, take into account the home for sale in Sandy Springs, GA value, market factors, its unique features, construction cost and building codes.

3. Look into Additional Coverage

Those areas we mentioned earlier that weren’t covered can be bought under additional coverage. Check out the premiums for including these things and then make your decision based on the cost.

4. Decide on “Actual Cash Value” or “Replacement Cost”

It’s simple: actual cash value will pay you enough money to purchase a brand new item in replacement of the one that was damaged and replacement cost will cover the depreciated value, so that you can buy the same damaged item. The later policy requires a bigger premium but the payout will also be bigger.

5. Pay a Higher Deductible

A higher deductible means lower premiums. Depending on your financial situation, strike a balance for a low and affordable premium.

6. Combine Insurance Coverage Policies

Instead of buying separate policies for automobile, home and other things, get them from one insurer. This will get you a significant discount.

7. Reassess the Policy Every Year  

Don’t put the policy on autopilot for annual renewal. At the end of the year, consider the factors that have changed and then find out if other companies are offering a lower premium and better features.

Depending on your financial stability, buy the insurance policy when you have surveyed the home for sale in Sandy Springs, GA. After getting a home inspection, get the house re-evaluated to find out whether the house is worth buying or not and then buy the insurance policy. Visit America’s Network Realty Group Inc. and get an accurate evaluation from experts.

Homes for sale in Atlanta

Price
Beds
Baths
For Sale / All Types
$288,421
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
1,802
SQFT
673 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
Price Change - 3 weeks ago
$324,990
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,363
SQFT
7064 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$299,026
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
3,040
SQFT
7057 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$284,994
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
2,200
SQFT
7044 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$329,990
Single Family Home For Sale
Pending
6
BED
4
TOTAL BATHS
3,363
SQFT
663 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
$310,270
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
3,236
SQFT
7024 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
Price Change - 3 weeks ago
$312,478
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,544
SQFT
7014 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
Price Change - yesterday
$299,990
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,040
SQFT
7007 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
New Listing - 2 weeks online
$289,990
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,635
SQFT
6997 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$4,000,000
Single Family Home For Sale
Active
7
BED
9
TOTAL BATHS
15,159
SQFT
4690 Thompson Road
Atlanta, GA 30349
 
$12,500,000
Single Family Home For Sale
Active
9
BED
14
TOTAL BATHS
26,000
SQFT
4965 Butner Road
Atlanta, GA 30349
 
$310,235
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,443
SQFT
555 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
Short Sale
$195,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,639
SQFT
432 Hammock Loop
Atlanta, GA 30349
 
$310,500
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
3,033
SQFT
510 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
$327,527
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
3,077
SQFT
455 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
$239,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,972
SQFT
400 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
New Listing - a week online
$261,290
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,260
SQFT
3225 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$277,803
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
3216 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 2 weeks online
$278,990
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,522
SQFT
3220 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
Open House 10/26 at 1PM
$280,508
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,487
SQFT
3200 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$257,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,108
SQFT
3213 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$286,258
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
2,487
SQFT
3247 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$271,500
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,487
SQFT
3239 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$290,182
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,545
SQFT
3217 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$267,389
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,108
SQFT
3251 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
Price Change - 4 weeks ago
$272,803
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
3204 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
Price Change - 4 weeks ago
$267,389
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,108
SQFT
3243 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - a week online
$268,789
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,122
SQFT
7143 Glaspie Way
Atlanta, GA 30349
Kingsland Subdivision
New Listing - a week online
$282,173
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
7139 Glaspie Way
Atlanta, GA 30349
Kingsland Subdivision
Short Sale
$225,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,676
SQFT
2927 Chilhowee Drive
Atlanta, GA 30331
Legacy at Cascading Creek Subdivision
$245,700
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
2,404
SQFT
3492 Dacite Court
Atlanta, GA 30349
Flat Shoals Manor Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6690 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6679 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
6683 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$167,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
2205 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$174,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
6790 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6742 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
6735 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$176,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
6687 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$176,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
2281 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
2273 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
2285 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$167,990
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,045
SQFT
505 Hererra Street
Atlanta, GA 30349
Heritage Park Subdivision
Price Change - 3 weeks ago
$252,500
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
3,006
SQFT
4244 Sublime Trail
Atlanta, GA 30349
Pittman Park Subdivision
Price Change - 4 weeks ago
$232,397
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,920
SQFT
5054 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - 4 weeks ago
$233,352
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,976
SQFT
5065 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - 4 weeks ago
$230,110
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5048 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - 4 weeks ago
$235,897
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5059 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - 4 weeks ago
$231,852
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5057 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$236,397
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5055 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 5 days online
$235,897
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5053 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$232,586
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5035 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$230,526
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5037 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Short Sale
$115,000
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
1,912
SQFT
2180 Crossrail Drive
Atlanta, GA 30349
Fairfield Square Subdivision
New Listing - 3 weeks online
$178,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,896
SQFT
6061 Hemperly Road
Atlanta, GA 30349
MORNING CRK Subdivision
Short Sale
$135,000
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,660
SQFT
4765 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
$299,900
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,046
SQFT
4307 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$329,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,759
SQFT
4288 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$224,775
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
1,862
SQFT
862 Blue Hill Lane
Atlanta, GA 30349
Riggins Ridge Subdivision
Short Sale
$160,000
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,808
SQFT
3027 Sable Run Road
Atlanta, GA 30349
SABLE CHASE Subdivision