Tailored, Budget-Friendly Coverage from 100+ Top-Rated Carriers
“Richey Insurance Agency works for you, not just one insurance agency!”
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Finding low-cost home insurance starts with knowing what you actually need. At Richey Insurance Agency, we help you weigh your priorities price, coverage quality, and risk so the policy you choose works in real life, not just on paper. Our team compares rates from over 100 insurance companies, helping you avoid policies that leave gaps or unnecessary costs. Affordable doesn’t have to mean bare-bones.
Several factors shape your rate: your ZIP code, the age and structure of your home, the policy limits you choose, your credit score, and past claim activity. Companies also price differently, so shopping around matters more than most people realize.
Start with the cost to rebuild your home from the ground up. This is different from market value. Appraisers or insurance agents use replacement cost estimates based on square footage, materials, and finishes. A basic frame home might cost less to replace than one with high-end tile and custom cabinets. Know what you’re insuring.
Take stock of any upgrades flooring, counters, fixtures and share those details with your agent. These features raise the rebuild cost, and skipping them in the estimate can leave you underinsured. Accurate numbers mean better protection.
A few smart moves can trim your premium:
Insurers often expect your dwelling coverage to equal at least 80% of the home’s replacement value. Falling short could reduce your payout after a claim. For example, carrying $160,000 on a home that would cost $250,000 to rebuild may result in partial coverage even for smaller repairs.
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