Most independent insurance agents will represent more than one insurance company. This gives them the option to find a plan that will meet your budgets and needs from a variety of different sources. An independent insurance agent gets paid based on a commission or percentage of the amount of insurance that you buy, and only keeps your business by doing a great job.

Homeowners insurance is a very important part of owning a home. In fact, if you have a mortgage on your home, it is likely that your mortgage requires that you have an insurance policy on the home that offers it protection. This provides less risk to the lending company should something go wrong.

Homeowner's insurance amounts are often very specific. They generally cover the cost of the home at the value that it is recorded at. In addition, the insurance should cover the valuable items within the home. This together should provide protection if everything was lost.