No matter where you live, you are at risk for some sort of natural disaster, crime, or accident. Since you never know when disaster will strike, you need homeowner’s insurance to protect from loss. Finding the right insurance policy is extremely important, so here are some ideas to consider when looking for homeowner’s insurance for your Santa Cruz home.
• DO make sure you choose a reputable agent and insurance company. Unless you’re well versed in current insurance laws and practices, you will rely heavily on your agent’s advice. This is not the time to do your own work.
• DO buy the right amount of insurance. A lower premium may seem like a great idea now, but you may feel differently if you suffer a major loss. Consider what it will cost you to