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What All New Homeowners Should Know About Insurance: An Interview with Al Zeidler of Al Zeidler Insurance Agency

By Al Zeidler

Please tell us a little bit about your company and the services you offer.

I have been in the property and casualty business since 1997, serving the San Francisco Bay Area. We pride ourselves in knowing about our customers and servicing their needs.

Is there something about getting insured that most new homeowners don't know that they should know?

Yes. Homeowners do not know about insuring their properties correctly as they have to understand what it really will cost to replace it in like kind and being put back whole.

How would you suggest that a new homeowner approaches "shopping" for home insurance? At what point should they start the process?

New homeowners should shop but also be intelligent about their choices and realize that this is to protect themselves in case of a catastrophic event such as fire or bodily injury. They also should not wait till the last minute when this is their first purchase.

What do you consider adequate coverage for a new home and how do you determine the amount?

We have various experience as to what the cost is between labor and materials and also we do a cost estimate based upon information provided to us.

Why do home insurance rates/premiums increase? Is there any way to prevent this?

Premiums increase because of inflation and what the cost may be today and not a year ago. Homeowners should still maintain proper dwelling coverage and liability coverage to protect their assets.

What's the best way for people to contact your company?

Email or phone and we will always get back to them in a timely manner, most of the time within a few hours.

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