Synergy Insurance Group
  • Home
  • Quotes
    • Personal Quotes >
      • Property Quotes >
        • Auto Quotes >
          • Auto Insurance Quote
          • ATV Insurance Quote
          • Boat Insurance Quote
          • Classic Car Insurance Quote
          • Roadside Assistance Quote
          • Motorcycle Quote
          • RV Insurance Quote
        • Home Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • LIfe & Financial Quotes >
        • Life Insurance Quote
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Vision Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
    • Commercial Quotes >
      • Commercial Auto Quote
      • Aviation Insurance Quote
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
  • Service
    • Certificate of Insurance Request
    • Commercial Auto Change Request
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Personal Insurance >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Property >
        • Home Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • LIfe/Financial >
        • Life Insurance
        • Disability Insurance
        • Final Expense Insurance
        • Umbrella Insurance
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
    • Commercial Insurance >
      • Commercial Auto Insurance - TIP >
        • Trucking
        • School Buses
        • Limousines
        • Party Buses
        • Charter Buses
        • Food Trucks
        • Aviation
        • Taxis
        • NEMT (STS)
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
      • Commercial Auto Insurance
  • TIP
  • About
    • COVID-19
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Blog
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Privacy Policy
    • News
  • Contact
  • Home
  • Quotes
    • Personal Quotes >
      • Property Quotes >
        • Auto Quotes >
          • Auto Insurance Quote
          • ATV Insurance Quote
          • Boat Insurance Quote
          • Classic Car Insurance Quote
          • Roadside Assistance Quote
          • Motorcycle Quote
          • RV Insurance Quote
        • Home Insurance Quote
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • LIfe & Financial Quotes >
        • Life Insurance Quote
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Vision Insurance Quote
      • Other Quotes >
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
    • Commercial Quotes >
      • Commercial Auto Quote
      • Aviation Insurance Quote
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
  • Service
    • Certificate of Insurance Request
    • Commercial Auto Change Request
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Personal Insurance >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Property >
        • Home Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • LIfe/Financial >
        • Life Insurance
        • Disability Insurance
        • Final Expense Insurance
        • Umbrella Insurance
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
    • Commercial Insurance >
      • Commercial Auto Insurance - TIP >
        • Trucking
        • School Buses
        • Limousines
        • Party Buses
        • Charter Buses
        • Food Trucks
        • Aviation
        • Taxis
        • NEMT (STS)
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
      • Commercial Auto Insurance
  • TIP
  • About
    • COVID-19
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Blog
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • Accessibility Statement
    • Privacy Policy
    • News
  • Contact

Synergy Insurance Group Blog

How to Pick Out the Best Home Insurance Coverage for You

8/18/2020

0 Comments

 
Picture
When shopping for home insurance, there are a lot of things you must consider. One of those, and probably the most important, is the coverage of your policy. The key is knowing which coverage and packages will give you the maximum coverage without spending too much. To help you decide which coverage is the right one, here are some of the most basic coverage offered by home insurance policies.
Coverage A for Attached Structures
The first coverage typically talks about your home and all of the features attached to it. It can also include fixtures inside your house like electrical wirings, permanent aircon units, plumbing, built-in appliances, and heaters. Most people tend to under-insure their homes as they have no idea how to determine the appropriate value of the house itself. Remember that in deciding the dwelling’s insured value, you must consider the costs for reconstruction and not the value of the real estate.
 
Coverage B for Detached Structures
For structures like storage sheds, land-attached fixtures (patios, fences, driveways, retaining walls, and sidewalks), and garages that are not included in Coverage A, it is still included in the policy. However, all detached structures that are used for business and not personal needs would not be included in the homeowners' insurance policy. If you have a home-based business with an office near your house, you might want to buy business insurance for that instead.
 
Coverage C for Personal Properties
The third coverage will be for your personal property, such as the contents of your house and other personal items owned by your family members residing with you. The basis for this coverage is the actual cash value or replacement cost of the items. However, there is a limit to this coverage as most providers do not include artworks, electronic data, business property, money, jewelry, and firearms. If you wish to insure these items, you can consult your provider or financial experts about which endorsements can be added to your current policy.
 
Coverage D for Loss of Use

This coverage includes the costs that are more than your usual living expenses in the case that the repairs needed for your home are severe enough that you cannot live there. This coverage is essential in case you need to move out of your home for some time.
 
Most policies differ when it comes to the coverage of this coverage so is with your provider all the coverage and how you can claim them. Information here is only to help you understand the basics. Talking to your provider and a financial advisor for clarifications is recommended.
 
At Synergy Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at ‌(763) 797-9999 or Click Here to request a free quote.
0 Comments



Leave a Reply.

    Contact Us

    (763) 797-9999​
    2520 Coon Rapids Blvd NW
    Suite 180
    Coon Rapids, MN 55433​​
    Click Here to Email Us

    Archives

    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020

    Categories

    All
    Auto Insurance
    Aviation‌ ‌Insurance
    Business Insurance
    Commercial Auto Insurance
    FAQs
    Financial
    Home Insurance
    Insurance
    Local
    Safety

    RSS Feed

We are licensed in Minnesota, Iowa, Michigan, North Dakota and Wisconsin.


Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Privacy Policy
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Synergy Insurance Group
2520 Coon Rapids Blvd NW
Suite 180
Coon Rapids, MN 55433​
(763) 797-9999​
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash