Homeowners and renters have one thing in common: they need to protect their belongings inside the home. Luckily, buying home insurance for homes in and around Memphis, TN can be done right from the comfort of your home. Keltner Insurance is a leading home insurance company in Tennessee. Before committing to your Keltner Insurance policy, there are a few things you will want to consider.

Home Location

The location of your home may impact your policy. If your home is in close proximity to a lake or large body of water, it may be more susceptible to disaster. Fortunately, most home insurance policies provide coverage for weather-related incidents, but it’s always important to check your policy. 

Payments

You will also want to consider how much money you want to spend on your policy. Most home insurance policies are billed in either monthly, quarterly, or every three months. Your Memphis, TN insurance representative will be able to walk you through the different home insurance and payment options. 

Home History

Whether you’ve lived in your house for years or are just moving in, you will also have to consider your home’s history when purchasing home insurance. Insurance policy information is all stored in what’s called the Comprehensive Loss Underwriting Exchange or CLUE. The CLUE data base has information about claims and policies dating back to the construction of the home itself. If there were prior claims filed, this may cause your rates to increase.

Take the time to do some research before buying your home insurance policy. If you have any questions, a licensed home insurance agent can help provide guidance pertaining to your specific scenario or policy.