Many Americans are overspending on home insurance.

📌What You Need to Know BEFORE Settling on a Home Insurance Plan📌

A home insurance policy protects more than just the structure of your home. It includes coverage for other structures like a detached garage, personal property and personal liability.

Home insurance provides a lot of protection, but your policy has some exclusions and limitations, some of which can be covered with an endorsement or another policy.

✅Homeowners insurance covers your home, other structures on your property and your belongings, and it also provides liability coverage.

✅When you shop for homeowners insurance, make sure the policy includes enough coverage to rebuild your home.

✅Home insurance excludes floods and earthquakes and also has special limits on some types of personal property, like art and musical instruments.

Types of homeowners insurance and coverage

Knowing details about the types of homeowners insurance is imperative when shopping for the right policy. If you need homeowners insurance or renters insurance, you may be mystified by the buffet of alphabet soup being served up by insurance companies.

Bundling🏡

Bundle two or more insurances (ex. Home and Auto) and save 20%!

Security System📹

Not only would your belongings and home safe from potential burglars, but you may also be eligible for discounts!

What makes home insurance rates increase the most?

Adding a pool, adopting a dog, owning a log home or filing a claim can all lead to higher home insurance premiums. However, there's nothing that will increase your rates more than if you have poor credit.

Paying In-Full💳

Some insurance companies will reward a small discount for consistently paying your insurance plan in-full.

Best homeowners insurance discounts

Home insurance companies offer discounts that can save you money, but it's up to you to make sure you're getting all the homeowners insurance discounts you deserve. That way you can ensure you have sufficient coverage, but at the same time still be getting the cheapest home insurance for your particular situation.

👉 Protect your home with Palmares Insurance!

Fire, theft, storms... don't leave your home to chance. We'll help you take care of what you love most, with support in Spanish.