Picking the right insurer for your new home in Friendswood’s West Ranch can be a stressful task for new homebuyers. Add to the confusion the need for multiple policies including Homeowner, Windstorm and Flood for homes in Galveston and Brazoria County, and the waters can get pretty brackish to say the least!

With so many providers out there and such a vast range of products and packages, this quick tip sheet will provide a references and insight to help you making a more informed decision.

Do Your Research
Take a crash course in the types of policies available so you know what you are getting. Many companies try to influence your purchase by offering the lowest price quote, based on minimum questioning of your needs. Although price is important, when you have water pipe burst or a leak under your foundation, you will appreciate having the most comprehensive policy. And, don’t forget to make sure your builder has completed the necessary WPI-8 certificate of compliance and avoid policy penalties. Visit websites Tdi.state.tx.us, Floodsmart.gov and Opic.state.tx.us

Know Your Lenders Requirements In order to compare quotes from multiple companies, you will need to know what your lender requires of you, from the minimum dwelling coverage requirements to the types of policies they will require you to. And don’t forget to ask if your insurance premiums will be paid by you or through an escrow account.

Choose Wisely
Ask friends and neighbors who they chose to insure their home and why they choose their current agent. I recommend finding a local agent who has been in business long enough to weather a few storms and that you can visit in person to review all of your insurance needs as they arrive. Internet based company’s may be able to offer slightly cheaper rates, but are often located in another state and are not familiar with specific regions. Nationwide Agent, Charles Mayfield, and State Farm Agent, Buddy Bouquet have been residents of the Friendswood area for over 30 years. Both are a wealth of information and represent companies awarded A ratings.

Regardless of your location, it’s always important to compare 2-4 quotes before making your decision. Not only will you save money but you’ll also have peace of mind knowing that you didn’t just select the first insurance plan you came across. Good luck in your search!