How to choose homeowners insurance coverage and a reliable claims company
First-time buyers often feel in the dark about what to include in a policy to avoid unexpected coverage gaps. Focusing on a reliable claims experience rather than just the cheapest premium prevents being stuck with an inadequate policy after a major loss.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Taking the cash as a closing credit instead of getting a warranty, and putting it toward an emergency fund for repairs.
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
“What to get for a homeowner’s policy and which company to use?”source ↗
“After having a pretty awful experience with a claim on our previous home (which we’re still dealing with after a broken pipe/water damage issue), I care a LOT more about the actual coverage and claims experience this time around than simply finding the cheapest premium.”source ↗
“If this were your own home, what would you absolutely make sure was included in your policy?”source ↗
“I’d rather spend a little more every month for excellent coverage than save $30–50/month and discover after a major loss that I bought a policy full of gaps.”source ↗
Where this came up
People with this problem also raised
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- 2How to estimate home repair costs before buying