Check out these questions to ask your agent when shopping for homeowners insurance.
When looking for homeowners insurance, it’s important to ask questions. You want to ensure that you’re getting the best coverage at the right price. Find the right policy for your needs and check out these top questions to ask when looking for a new policy.
What does this policy cover?
Different policies offer different coverages. When it comes to your insurance, ask your agent for an outline of all the coverages. You may need to take out additional policies to ensure that you have coverage for the extras. Additionally, look into how your home is covered. You need to know whether or not it covers repairs and replacements or if it gives you a cash payout instead.
Will I have enough coverage to rebuild my home?
If a disaster strikes, it’s important that your insurance will cover the cost of rebuilding your home. However, there are many policies that won’t give you enough coverage to do so. Do what you can so that you have a little more than the amount it will cost to rebuild. Additionally, ensure that you know the difference between the rebuilding cost and the purchase price.
How dependable is this insurance company?
When it comes to your insurance agent, you want to know that they’ll be there for you in your time of need. Find out how long the company has been in existence and ask to see testimonies of happy customers. Additionally, learn about how claims are handled. You want to ensure that you’re able to have your claim taken care of in a timely manner.
Are there any deals or discounts?
When shopping for insurance, you have lots of options. Be positive that you take advantage of those options and ask your insurance agent to find you great deals for excellent coverage.