What to Ask Your Agent?
Below are a few important questions that everyone should ask their agent when purchasing homeowners insurance:
Do I have enough insurance to rebuild my home if it is destroyed?
Do I need flood and earthquake insurance? What would be the cost?
Does this policy cover water damage, including damage from sewer, drain or sump pump backup?
Do I have enough coverage to replace all of my belongings?
Should I increase my coverage limits over time to cover updates that I make to my home?
Am I eligible for any discounts?
Are there any improvements that I can make to lower my premium?
If something happens, how do I file a claim?
How do deductibles work with my policy?
Am I protected if someone gets hurt on my property?
Can I buy extra coverage for liability?
What is excluded in my policy?
