How to know what the right home insurance to select

[Christian Perez]

Hi, my yearly home insurance is coming up for renewal. I am a travel nurse who is looking to rent two bedrooms out. The house is my primary residence. I’ve had the property for two years. I currently  insured Stillwater insurance. When I bought the property it came with Stillwater insurance and it renewed the first year.  How can I find the best insurance for a low cost. I know I can get quotes, but I thought I should check with the community first. Any advice would be helpful, thank you for your time.

[Aaron Porter]

Working with an Independent Agent who has access to multiple carriers is a great option for "shopping" your insurance rates.  

Be sure to let your agent know (whether they are independent or captive) that you travel for work and rent out a few rooms.  

Be wary of State Farm agents telling you that a standard owner occupied homeowners policy will work as a landlord policy.  If they tell you this and you want to go with their policy make sure to GET IN WRITING that the agent said that the owner occupied homeowners policy will cover you in the case of a landlord policy.  

Nevada has a few really great options for property coverage.