Feel empowered in your purchasing decision with Preferred Mutual!
Why do you need homeowner’s insurance?
Homeowner’s insurance covers the structure of your home, any structures on your land, personal property, and protects you from risks such as injuries occurring on your property.
Is it required?
Your mortgage loan and home insurance are actually related! In order to protect a mortgage lender’s loan collateral – and to ensure you protect your big investment – you must have insurance. At its
core, home insurance is based on how much it would cost to replace or repair damage to your property, and what kind of risks are considered to be exposed. Home insurance coverages and standards can differ by state, too.
What kind of insurance do you need if you are buying a condo?
Prior to selecting your insurance policy, you should check with your Condo Association to make sure you understand what they cover and what they don’t. An independent agent can assess
any coverage gaps and determine the right coverage for your Condo.
Is your credit score important?
Yes! It is more than the price of your home, its location and contents that determine what you pay for insurance. These are important, but your credit history can influence the cost, too. The better the credit rating,
the lower the premiums you are likely to pay, and maintaining a good rating can save you money on home insurance for years to come!
Is bundling your auto, home and umbrella policies really cost effective?
Yes! It is almost always more cost effective to bundle your policies. There are often discounts available for bundling that you wouldn’t receive on standalone policies.
Why Preferred Mutual and not a national carrier?
We partner with an exclusive network of independent agents because we know they offer you the best service, and are ensuring you are obtaining the right coverage for your needs. When
you work with a national carrier, you risk paying a “better rate” for lower coverage and less options. Having the wrong coverage can end up costing you more in the long run. When it comes to buying a home, whether this is your first
home or you have been down this road before, the Preferred Mutual difference comes down to this: we are here to support you for the long haul, before and after you close. Our focus isn’t insurance now; it is helping you Live Assured for life. Call a Preferred Mutual independent agent today! Don’t know of a local agent or agency?
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