
	Intro: Before you begin Step 1: Estimate replacement costs Step 2: Understand what's covered Step 3: Understand what isn't covered Step 4: Ask around Step 5: Look out for red flags Step 6: Get a discount








	Some policies also include a standard deductible, which is usually between $250 and $1,000 (U.S.). If not, you can choose a deductible amount, usually in the same monetary range. The higher your deductible, the lower your premium.

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Learn2 Shop for Home Owner's Insurance (continued)

Understand what isn't covered

It's just as important to know what's excluded as it is to know what's covered. Some things that typically aren't covered include:

Flood and/or earthquake damage. If you live in a vulnerable area, speak to your insurance agent about additional coverage.

Windstorm damage. In some geographical areas, where tornadoes and hurricanes commonly occur, the government may offer windstorm policies at lower rates. You can buy them through your insurer.

Snowstorm damage. If you live in an area where there's a threat of damage due to snow, ice, or sleet, talk to your agent about a package that includes these items.

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