When it comes to protecting your home, few things are more important than having the right insurance coverage. One of the most common questions we get from new homeowners or those refinancing is: “Can I choose my own homeowners insurance?”
The short and sweet answer? Yes, you absolutely can—and should.
Why Choosing Your Own Insurance Matters
Your home is one of your most valuable assets. Choosing your own homeowners insurance policy gives you the power to:
- ✅ Find coverage that fits your specific needs
- ✅ Compare rates from multiple providers
- ✅ Bundle with auto or other policies for extra savings
- ✅ Work with an agent who understands your unique situation
At Eugene C. Yates Insurance Agency, we believe in empowering homeowners to make informed decisions, not locking them into one-size-fits-all coverage.
What If I Have a Mortgage?
If you’re financing your home through a mortgage lender, they will require you to carry homeowners insurance. But that doesn’t mean you have to go with their suggested provider.
As long as the policy you choose meets your lender’s coverage requirements, you’re free to shop around. A good independent insurance agent (like us!) will work with your lender directly to make sure all the boxes are checked—no extra work on your end.
Already Have Insurance But Want to Switch?
Good news: you can change homeowners insurance providers any time—even mid-policy. Just make sure you don’t leave a coverage gap. A qualified agent can help make the switch seamless.
Tips for Choosing the Right Homeowners Insurance
Here’s what to look for when selecting a policy:
- Comprehensive Coverage: Protection for your dwelling, personal belongings, liability, and living expenses.
- Affordable Premiums: Get the coverage you need at a price that fits your budget.
- Strong Carrier Reputation: Work with insurance companies known for excellent claims service.
- Local Support: Choose an agent who knows the Sacramento area and can offer personalized guidance.
✅ Your Home, Your Choice — Let’s Get You Covered!
Don’t let someone else make this important decision for you. At Eugene C. Yates Insurance Agency, we’ll help you find the best homeowners insurance at the best rate—without the stress.
📞 Call us today at (916) 313-6100
📍 Or stop by our Sacramento office for a friendly chat
We’re here to protect what matters most. Let’s make sure your home has the coverage it deserves.