We all know insurance is important, even though we hope to never use it. Because no one wants to pay $5,000 out of pocket when they could have been paying an extra $2 a month. Enter, the creative insurance agent. Unlike 30-40 years ago, insurance brokers can help you find the best value for money when it comes to your homeowner's policy and covering any investments you may have as well. 
I had the chance to sit down with Brandon Ridder of Goosehead Insurance to talk more about the importance of having a clear understanding of your coverage and what is crucial to know as a first-time homeowner and investor. 
Some key points he made included:
verify water back up coverage
verify sewer line coverage
ask about roof depreciation
what is your deductible - at 1-2% home replacement value can be a big amount
don't hide short term rental or your claim may get denied 
Nicole RuethThe Rueth Team of Fairway Independent Mortgage Corporation750 W Hampden Avenue, Suite 500 Englewood, CO 80110303-214-6393www.TheRuethTeam.com
Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/​Twitter: https://twitter.com/nicolerueth​Linkedin: https://www.linkedin.com/company/the-...​YouTube Channel: https://www.youtube.com/channel/UCPMd...