Are you purchasing a home or in the process right now? If so where, because it would depend on where you are living and what state that you would want to talk to someone. Let me know if it is in fact in Jacksonville ,North Carolina, and I would be more than happy to try and help.

Thank you ,
Melanie McDuffie
Melanie.McDuffie@yahoo.com

I would also recommend talking with an agent in Virginia. Since insurance is regulated state by state... someone in your home state would be the absolute best source... but homeowner's insurance is fairly standard. If you pay attention to what I've pointed out you should be good!

Aj,

There is a very informative website we recommend that you preview. It's comprehensive and informative and should answer most of your questions. We would be happy to point you in the direction of specific agents with a history of quality service and great rates.
http://www.shopandcomparerates.com

Best wishes,
The Eckler team

Some important things to consider on a homeowner's policy are:

1. Guaranteed Replacement/Expanded Replacement - Make sure your policy covers at least 20% higher than the coverage shown for the dwelling. Your agent can help you determine if it does.

2. Replacement Cost for your contents - This feature guarantees replacement of your property "less" depreciation. For example, if your home burns down and you have a TV from 1999, the insurance company will compensate you based on a 2009 TV.

3. Liability - Have a higher liability limit than the home is worth. Example - if you have a $350,000 house, make sure your liability is 500k.

Those are the most important things to consider. Other things you want to think about are valuable/rare items that you need to "schedule" on the policy or get separate coverage for - like jewelry. Also, last thing I would suggest is taking a thorough inventory of your property, all of it. You can record or take pictures of everything and put that data in a safe place.