<p style="text-align: justify">As a first-time buyer, you need to be very careful in knowing the overall terms and conditions of an insurance before signing any documents.</p>
<p style="text-align: justify">After all, this is your home. Buying a home insurance policy will test your patience and you should not decide in haste, but you should be careful when signing a home insurance policy.</p>
<p style="text-align: justify">Also, you should talk to people who have already bought the home insurance from a company you eventually choose, in order to understand how honest they are with their claims. It may happen, that company may show you all good reviews and ratings from several customers, but they might be hiding something from you. To make sure about such things, you should look for local reviews on other sites.</p>
<p style="text-align: justify">The following article will form a list of the top things you should know and what should you check before buying a home insurance.</p>
<h3 style="text-align: justify"><strong>Knowing the Covered and Non-covered Damages:</strong></h3>
<p style="text-align: justify">Before buying a home insurance you should cross check the list of covered and non-covered damages along with the area in which you are buying a home. For example, it may happen, that you are buying a home in the earthquake prone area and you end up buying a home insurance which doesn’t cover earthquake damages. So, to avoid such problems in futures, you should cross check all the list of covered damages along with the geographical conditions of your home.</p>
<h3 style="text-align: justify"><strong>The list of Damages:</strong></h3>
<p style="text-align: justify">When it comes to home, you need to see all the damages that can take place over a span of time. Keeping your lifestyle in mind, you should make a list of all such damages. Once you know what kind of damages must be covered, you can get a clear picture of which insurance you are looking forward to.</p>
<h3 style="text-align: justify"><strong>Security Check on Documents:</strong></h3>
<p style="text-align: justify">Be careful enough to read all the home insurance documents, to understand the terms and conditions of buying that home insurance. Make sure that the terms and conditions are relevant to you, otherwise you may end up in dissatisfaction. If you have any doubts, feel free to ask your friend to read it as well, it always good to get the second opinion.</p>
<h3 style="text-align: justify"><strong>Hassle Free Payments:</strong></h3>
<p style="text-align: justify">You should be aware of how much you are paying and what you will be receiving from the home insurance policy. This also includes a knowledge of deductibles and non-deductibles of that policy. Make sure you choose the best one preferable to your choices or lifestyle.</p>
<h3 style="text-align: justify"><strong>Maintaining records:</strong></h3>
<p style="text-align: justify">The most important part is to maintain the inventory records of your home to claim the insurance in a hassle free way. This is also important to understand the insurance limits and insurance amount which could cover all your damages. So, before you buy any items for your home, make sure that you maintain a record of your inventory and you should list out the price of each and every piece that you are using to decorate your home. You can use Google sheets or MS Excel to create your inventory list. It is fairly easy to use and you will have your list documented in no time.</p>
<h3 style="text-align: justify"><strong>Summing up a Home Insurance:</strong></h3>
<p style="text-align: justify">I can understand that as a first-time buyer, you are very excited and at the same time you are cautious about few things as well. Home insurance, though is a must, it can be a waste if not chosen properly. So, you should take time to understand the documents and conditions fully to be aware and alert of what you are buying and how much you are paying for it.</p>
<p style="text-align: justify">Also, you must be aware of fraudulent companies, make sure, that you research about the company, and take your time to decide which company you prefer and who is offering you the most, before buying your home insurance policy.</p>
<p style="text-align: justify">Hopefully, now you have more information on how should you start thinking about a home insurance and what are your next steps.</p>

Home Insurance – A First-Time Buyer Guide
