“How much home insurance should I buy?” It’s a common question. There’s several different ways to look at this. If you want to insure for what is known as “replacement coverage,” you need to keep in mind several different things. The biggest thing is: “how much is it going to cost me to rebuild this home or this building if there’s a total loss?”...

How do I get homeowners insurance? How do I go about doing that? What do I need to provide to the agent and how do they get a quote and set up coverage for me? That is a very common question. If you need homeowner’s insurance, you are buying your first home or your first condominium and you are not sure how to go about doing it, here are a few tips for you. Call an agent. We don’t...

Hello and welcome to Coverage Concepts. I’m Ron Philleo with Philleo Agency Insurance. One of the calls we get frequently is, “I’m buying a new house or a condominium and my mortgage guy said I have to have homeowner’s insurance or hazard insurance. Can you help me with that?” Well let me explain what homeowner’s insurance does. When you purchase a new home...