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? (more…)