When shopping for home insurance quotes, keep the following factors in mind.
If you already have a policy and are comparing home insurance quotes, it helps to review your existing home insurance policy for current coverage, limits and deductible amounts.
A key factor to home insurance quotes is the estimated cost of replacing your house. This refers to the cost of replacing the structure (not counting land value) and is not the same as the current tax assessment or market value of your home. In addition, inflation and availability of materials can impact replacement cost.
Liberty Mutual Home Insurance quotes are designed to capture the current value of your home based on the information you provide, including building materials and other factors. This helps you in obtaining appropriate insurance coverage for your home.