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Tree Line

Insurance solutions for
new homebuyers

We shop 20+ top carriers to find you the best insurance options
for your new home!

South Lake Shield
customer-service

Speak with our local licensed agents
952-856-5500
or email us

🏡 Home Insurance Tips for First-Time Buyers
1. Understand What Home Insurance Covers
  • Typical coverage includes:
    • Dwelling (structure of the home)
    • Detached structures like garages, fences, sheds, retaining walls, etc. 
    • Personal property (belongings)
    • Liability protection
    • Additional living expenses (if you're displaced)

2. Know Your Property’s Risk Factors
  • Insurance rates vary depending on:
    • Location (proximity to fire stations, flood zones)
    • Age and condition of the home
    • Roofing material
    • Safety features (alarms, deadbolts, etc.)
Tip: Ask your real estate agent to check any past claims on the property.

3. Take a Home Inventory
  • Document all your valuables (photos, receipts, descriptions).
  • Use apps like:
    • Sortly
    • Encircle
    • HomeZada
This helps ensure you're properly reimbursed in case of loss.
 
4. Bundle and Save
  • Ask about bundling your home insurance with auto or umbrella policies to save money

5. Understand Deductibles and Premiums
  • Higher deductibles = lower premiums, but more out-of-pocket if you file a claim.
  • Choose a deductible you can comfortably afford in an emergency.

6. Review the Policy Carefully
  • Don’t just focus on price—check coverage limits, exclusions, and what’s not covered.

🔍 Why Use a Broker Like South Lake Agency?
✅ Personalized Guidance
  • A broker like South Lake works for you, not one insurance company.
  • We take time to understand your needs, budget, and risks to tailor the best policy.

💬 Clear, Jargon-Free Explanations
  • Insurance terms can be confusing—South Lake breaks it down so you know exactly what you're buying.

💰 More Options, Better Rates
  • Brokers compare quotes from multiple top-rated insurers to get you the best coverage for your money.

🧠 Local Expertise
  • South Lake Agency knows the local housing market, risk factors, and insurance trends—helping you avoid coverage gaps specific to your area.

🤝 Ongoing Support
  • Need to file a claim? Update your policy? South Lake provides continued service even after your policy is active.
  • $0 broker fees 

  • Fast quotes + applications

  • Options from 20+ top carriers 

  • Fast & fair claims resolution

  • Stellar service from our local team

Schedule a complimentary consultation

customer-service
Speak with our local licensed agents
952-856-5500
or email us
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