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    6 Things to Consider When Shopping for Home Insurance

    Home insurance is a must-have. In fact, homeowners with a mortgage are usually required to carry home insurance. After all, the bank wants to protect its investment. Homeowners insurance is a lifeline when disasters occur, like fires, hail and storm damage, or flooding. Here are a few things to consider when shopping for home insurance. How Much Are Premiums? Obviously, the monthly or annual premiums are a key consideration when you’re purchasing home insurance. Premiums vary based on coverage options, the state you live in, your home’s condition and its replacement value, as well as whether your home is in disaster-prone areas, like a flood zone. Homeinsurance.com is an excellent resource…