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April 27, 2022

Tips to find the right home insurance

There’s nothing quite like coming home at the end of a long day. A place of comfort and respite, your home is your haven – and it’s worth protecting. At OMA Insurance, we want to ensure you have the right coverage to protect the things that are important to you. Here are four tips to help you choose the policy and coverage that’s right for you.

1. Talk to a professional

Reach out to a reputable insurance company to get a no-obligation quote and discuss the type of coverage that best suits your needs. A licensed agent or advisor can walk you through your options and discuss ways that will help you reduce the cost of your premiums.

2. Inventory your belongings

You’ve spent time, effort and money acquiring the things you own, so it’s important that you have enough insurance to cover your belongings in case they are damaged or stolen. The value of your belongings will affect your premium, so be sure to evaluate everything and estimate a value for each item. Collect receipts if you have them or search online to determine an estimated value.

We recommend you take inventory once a year, so you don’t miss documenting new purchases – and to ensure you have enough coverage to keep up with inflation. Be sure to include difficult-to-replace items on your list such as collectibles, family heirlooms and artwork.

3. Assess your location

Where you live will affect your premiums and in some cases the type of insurance coverage you need. Why? Some areas are more prone to natural disasters than others and therefore require different coverage to be properly protected. For example, if flooding is frequent in your area, it may be necessary to have additional coverage. An insurance professional will factor this in when providing you with an estimate but it’s good to know what some of the potential risks may be.

4. Ask about discounts

Insurance companies factor in several variables when calculating the cost of your home insurance, including your location, the age of your home and the condition it’s in. Other factors may include whether you live or work on the property, your claims history, whether you have a mortgage, and the value of your belongings. However, there are often ways you can reduce your premiums or qualify for additional discounts.

If you have a claims-free history with previous insurers or you have multiple policies with the same insurer you may qualify for a discount. Installing fire or security alarms, or water-damage prevention measures like automatic shut-off systems can also help reduce your premiums.

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Conditions apply. The OMA Home and Auto Insurance Program is underwritten by The Personal General Insurance Inc. in Quebec and by The Personal Insurance Company in all other provinces and territories.

These tips are provided for information and prevention purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.