Whether you own your home already or are starting the house-hunting process, Wells Fargo can provide you with guidance and education so you know you are getting the protection that’s right* for you. Read on to see how we can help based on your situation.
You own your home
Start by tracking down your existing policy. Refresh your memory on the coverage you have now.
Consider how things have changed. You may have acquired valuables like jewelry or high-end electronics, or made improvements to your home since you purchased your policy.
Determine if you want to adjust your homeowners policy. You may want more or less coverage based on how things have changed.
Understand the limits of homeowners insurance. For extra coverage, you may want to consider an umbrella policy that protects you above and beyond your homeowners, auto, and other policies.
A home protection plan is an additional way you can help protect yourself against the unexpected cost of repairs for your home’s systems and appliances.
Complete a Property Inventory (PDF). Photograph or videotape your belongings – you'll be able to use your list to make the claims process go more smoothly if your house is ever damaged or burglarized.
You are preparing to buy a home
Know that your mortgage lender will require you to have homeowners insurance.
Educate yourself about the types of homeowners insurance coverage available.
If you work with Wells Fargo Home Mortgage as your lender, learn about how to integrate your homeowners insurance purchase into your mortgage closing. We’ll make sure you have your policy in hand so you can close on time.
While you’re still renting, it’s a good idea to have renters insurance to protect your personal property. Policies are very affordable for the protection they offer. Learn more about renters insurance and see what it covers.
After you move in, complete a Property Inventory (PDF). Photograph or videotape your belongings – you’ll be able to use this to make the claims process go more smoothly if your house is ever damaged or burglarized.
Whatever situation you’re in, Wells Fargo Insurance can work with you to help you understand your options and get multiple quotes from reputable insurance companies.
Need more information? Read our frequently asked questions.
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