How To Choose Homeowners Insurance


riskLife is risk. If you never left your house you can still get hurt. Your house could catch fire. You could burn yourself on the stove, trip on the stairs, or slip in the shower. But if you live life to the fullest, risk runs higher. Consider some of these quotes from famous people throughout our history. Eleanor Roosevelt said, “Do one thing every day that scares you.” Jimmy Carter suggested that you “Go out on a limb. That’s where the fruit is.” Pablo Picasso explained that he was “…always doing that which I cannot do, in order that I may learn how to do it.” And Mario Andretti the race car driver stated, “If things seem under control, you are not going fast enough.” The point being that when an insurance agent sees you, they see risk. At Jeff Van Matre Insurance Agency we get to know the person as we assess their risk. We understand that life is risk, but we also understand that you are a person and people matter to us.

Choose Wisely

  1. Risk factors: When you’re shopping around for homeowners insurance, each insurer is basing your insurance premium (what it is going to cost you) on your risk factors. They are measuring how high there is that they will have to pay out. Risk factors include who you are, what you do for a living, how you live (are you adventurous?), and what you own.
  2. Replacement cost: Before shopping around for insurance firm up the replacement cost of your home. After all, that is what carrying insurance is all about, financially replacing your assets and being able to afford another home if something should happen to yours.
  3. Comparison shop: Every company will have different prices for what seems like the same coverage. It is important to shop around. It can save you money in the long run.
  4. Beyond price: Although price is important, so is service. Check out the company’s record for servicing and their financial stability. If you lose your home, timely service is a must.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets. To learn more, or to get a free quotecall our Carrollton office today at 972-492-8500.