Affordable Home Insurance Plans for New Homeowners

Purchasing a new home is an exciting journey, but it also brings a wave of new responsibilities, one of which is securing the right insurance coverage. This can be daunting—especially for first-time buyers—given the numerous options and costs involved. At Toby Hansen Agency, we take the guesswork out of finding the best home insurance policy by reviewing nearly 100 different carriers to ensure that each client gets the most comprehensive coverage at the most competitive price.

In this guide, we’ll show you how to navigate the complex world of home insurance, and why choosing our services ensures you’re getting the best value for your money.

1. Understanding Your Coverage Needs

For new homeowners, identifying the essential coverages is the first step. A standard policy usually includes:

• Dwelling Coverage: Protects the structure of your home.
• Personal Property Coverage: Covers belongings inside your home.
• Liability Protection: Offers financial protection if someone gets injured on your property.
• Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable.

Choosing the right mix of coverage ensures that you’re neither overpaying for unnecessary features nor leaving yourself exposed to potential risks. By partnering with us, you can rest assured knowing we’ll assess your unique needs and match you with a policy that strikes the perfect balance between cost and protection.

2. Comparing Policies for the Best Rate

With so many insurers out there, it can be overwhelming to know which one offers the best rate for your circumstances. That’s where we come in. At Toby Hansen Agency, we compare nearly 100 carriers, reviewing each policy to ensure you’re getting not only the lowest rate but also the best overall value.

Here’s why our process stands out:

• Tailored Solutions: We look at your specific coverage requirements and find a policy that aligns with them.
• Comprehensive Comparisons: We don’t just look at premium prices—we consider policy features, discounts, and the financial stability of the carrier.

3. Take Advantage of New Homeowner Discounts

Many insurance companies offer discounts specifically for new homeowners or first-time buyers. These discounts can help significantly reduce your premiums without sacrificing coverage quality. Common discounts include:

• New Home Discount: Available for properties less than 10 years old.
• First-Time Homebuyer Discount: Tailored specifically to attract first-time buyers.
• Home Safety Features Discount: Installing fire alarms, smoke detectors, or security systems can reduce premiums by up to 20%.

We ensure you take advantage of these discounts and more, so you’re never leaving money on the table. Here’s a quick look at potential savings you could enjoy:

By choosing our agency, you gain access to the top deals available, as we negotiate and leverage our relationships with carriers to get you the best terms.

4. Maximize Savings with a Higher Deductible

Opting for a higher deductible is a strategy we often recommend for homeowners looking to lower their annual premiums. A higher deductible means you pay more out-of-pocket in the event of a claim, but it can significantly reduce monthly payments.

For example, raising your deductible from $500 to $1,000 could lower your premium by 15-20%. At Toby Hansen Agency, we’ll help you evaluate your financial situation and risk tolerance to determine the deductible that best fits your needs.

5. Benefit from Our Unique Policy Bundling Options

When you bundle multiple policies (e.g., home, auto, and life insurance) under one provider, you can enjoy substantial savings. Many of our partner carriers offer discounts of up to 25% for policy bundling. This not only reduces costs but also simplifies policy management, as you have a single point of contact for all your insurance needs.

Why Bundle Through Us?
We don’t just look at one or two carriers for the best bundling options; we evaluate nearly 100 carriers, ensuring that you get the maximum discount and comprehensive coverage for all your insurance needs.

6. Receive Personalized Coverage and Support

Unlike other insurance providers, we don’t believe in a one-size-fits-all approach. Our team of experienced agents takes the time to understand your unique situation, whether you’re buying your first home or looking to upgrade your coverage. We work tirelessly to ensure that each client is matched with a plan that provides optimal protection at a cost that fits their budget.

When you work with us, you’re not just getting a policy—you’re gaining a dedicated partner who will advocate on your behalf and review your coverage regularly to ensure it continues to meet your needs as your circumstances evolve.

Why Choose Toby Hansen Agency?

Finding affordable and comprehensive home insurance doesn’t have to be complicated. With access to nearly 100 carriers and a commitment to finding the best solutions for each client, Toby Hansen Agency offers unparalleled service and expertise.

• Extensive Carrier Network: We don’t limit you to one or two options. We explore nearly 100 carriers to find the best match.
• Expert Guidance: Our agents have in-depth knowledge of the industry and can provide personalized recommendations.
• Ongoing Support: We review your policy annually to ensure you’re always getting the best deal.

By leveraging our extensive network, you can enjoy peace of mind knowing that you’re getting the best possible coverage for your new home, at a price that fits your budget.