When you choose a home insurance policy, remember that your policy will probably be sticking with you for years to come. This means that any mistakes you make in choosing your policy could cost you some long lasting headaches. 

Before committing to a policy, make sure you avoid the following five common mistakes people make when purchasing home insurance:

1. Focusing too much on prices- As with any other product, you get what you pay for with home insurance. You need to pay attention to how much you’re paying and what you’re getting for what you’re paying. However, you also need to pay attention to how financially secure the insurance provider you’re choosing is so you can be sure of receiving reimbursement for your claims when you’re eligible for it. 
2. Ignoring policy exclusions- Policy exclusion on home insurance typically include things like earthquake damage, mold damage, and infestation damage. Pay attention to these exclusions and shop around to find a policy that doesn’t exclude coverage for damages that your home could potentially be at risk of. 
3. Opting for an unaffordably high deductible- High deductibles typically go along with low monthly premiums, so many policyholders choose a policy with a high deductible to save money in the meantime in hopes that they’ll never need to file a claim. Of course, this could leave them in a very difficult situation if damage does occur and a claim needs to be filed. 
4. Neglecting to shop around for discounts- You may be able to enjoy discounts by getting numerous insurance policies through one provider or by belonging to certain professional associations.

Looking for more advice on choosing the best home insurance policy available? Contact JC Demo Insurance Group with your questions and inquiries.