Homeowners insurance is on a lot of people’s minds right now. Hurricane Harvey just left, Hurricane Irma is about to strike and Hurricane Jose could be next in line. Now, homeowners insurance is on people’s minds all the time and for good reason, but I bring the hurricanes up for good reason, too. When you have homeowners insurance, you want the best so that you are covered when it is time to file a claim.

That means you need a good company, and you also need a good policy with a deductible that matches your needs. The deductible is going to be different for different types of incidents. Furthermore, I also mentioned the hurricanes because many of the people affected in Texas didn’t have flood insurance. In order to have the best home insurance, do you need to have flood insurance, too?

I guess it really depends on where you live, but many people are left between a rock and a hard place right now post hurricane. So, it makes you want to look at your policy to see what’s covered, what’s not covered and all of the specifics. If you had to file a claim, what would you be facing? You are going to want to know or else you are just trusting blindly that you have a good policy based on company and payment amount.

It’s great to pick a good company and get a solid quote. But if you don’t know what’s on your policy, that’s a recipe for getting taken by surprise. You want to be realistic about your home insurance needs so that you can feel confident that you home is protected. Do you feel confident right now that you have the absolute best homeowners insurance policy for you, or do you need to do some digging?