Buying a New Home? Here’s What You Need to Know About Insurance

By:  Eric L. Ash Agency

Congratulations! Buying a new home is one of life’s most exciting milestones. Whether you’re a first-time buyer or upgrading to your dream home, it’s a major investment — and one worth protecting. At the Eric L. Ash Agency, we know the home-buying process can feel overwhelming, especially when it comes to understanding your insurance needs. Here are a few essential tips to help you feel confident and covered from day one.

🔍 1. Start Thinking About Insurance Early

Don’t wait until closing day to think about homeowners insurance. Most lenders require proof of insurance before the mortgage is finalized, so it’s important to shop around early. Working with a local agent (like us!) means you’ll get personalized guidance and the right coverage tailored to your specific home and location.

🧾 2. Know What Your Policy Covers (and What It Doesn’t)

A standard homeowners insurance policy typically covers:

• The structure of your home
• Personal belongings
• Liability protection
• Additional living expenses (if you need to temporarily relocate)

However, things like flooding, earthquakes, or sewer backups often require separate policies or add-ons. We’ll walk you through what’s included and recommend extra protection if your home needs it.

💰 3. Consider the Right Amount of Coverage

Don’t just go for the cheapest policy. You want to be sure your coverage reflects the replacement cost of your home—not just the market value. We’ll help you estimate the right amount so that you’re not underinsured when it matters most.

🏘 4. Factor in Location-Based Risks

Every area has its own risks—Allegheny County, for example, may be prone to weather-related issues or flooding in certain neighborhoods. We’ll review the local data to make sure you’re covered for the risks most relevant to your new home.

🧯 5. Ask About Discounts

Did you know you could save on your policy by bundling home and auto insurance? Or by having a security system, smoke detectors, or a new roof? At the Eric L. Ash Agency, we make sure you’re not leaving any savings on the table.

✅ 6. Keep Your Policy Up to Date

Buying a home is just the beginning. As you make updates or renovations, let us know. Even things like installing a deck or finishing a basement could affect your coverage needs.

Let’s Make Insurance Simple

At the Eric L. Ash Agency, we’re here to make the insurance side of homeownership as stress-free as possible. If you’re in the process of buying—or just closed on a new place—reach out today. We’ll help you protect your investment and give you peace of mind for years to come.

📞 Call us at 412-238-7414
📧 Email: eric@ericlashagency.com

🌐 Visit: www.ericlashagency.com

Eric L. Ash Agency
Protecting What Matters Most.