One of the most exciting, exhilarating things you can do this summer is shop for home insurance.
Not really.
It's not a fun process, as many of you already know.
But a couple tips can make it a tad easier, or at least bearable.
Know what you are looking for.
Read up a little on what your options are for insuring your home and your possessions.
Take note of things in your home that you'd like to cover and add up their total value.
As much as emotions certainly come into play with your valuable items, try not to add that in this time around.
After you know what you're looking for in terms of home owner's insurance, it might be a good idea to stick to a budget.
When you walk into that office with an insurance salesman, they're going to try and get as much money out of you as possible.
That's not a jab at them or their profession; that's their job.
They're probably going to tell you how you can insure this much more at only this small amount of money, and that's great.
Save it for next year when you can afford it.
Don't get yourself into financial trouble over insurance.
Your valuables are, in fact, valuable only because of what they ARE, not what they represent.
Does that make any sense? The point is that it just doesn't make sense to pay a company a ton of money to cover something in your house that is just sitting there.
If you really want to spend a little more to get a lot more coverage, wait until your next trip to the office.
Stick to a budget no matter what.