Jun 16 Questions to Ask Before Picking Your Homeowners Insurance

Check Out These Questions so That You Know What to Ask Before Picking Your Homeowners Insurance

Get the right homeowners insurance by asking the right questions.

When looking for home insurance, it’s important to pick the right policy. There are lots of policies and types of coverage from which to choose, making your decision all the more complicated. That’s why it’s important to ask your agent the right questions so that you’re best able to pick the best policy. Check out these top questions to ask your agent so that you can rest easy knowing your home is protected.

What perils are covered under this policy?

Don’t fall into the trap of assuming that your home is fully covered once you purchase homeowners insurance. Different policies offer different coverage. Before you commit to a policy, ask to see what’s specifically covered. You may find that you want more coverage than offered. Talk to your agent about supplemental policies or add-ons to the policy you’re working with.

Do I have enough coverage to cover rebuilding costs?

As a general rule of thumb, you need enough coverage to rebuild your home and then some. The rebuilding cost of your home is different than the purchase price. Before you decide on a policy, know that you have enough coverage to fully rebuild your home if necessary.

What extras do I need?

While the average home policy comes with some liability and some personal property coverage, they may not be enough to give you adequate coverage. You want to know that you’re well protected. Conduct a home inventory before you start shopping. That way you know what you have and what you want protected. Your agent can then advise accordingly.

Know that you’re in good hands with the right homeowners insurance. The professionals at Weeks & Associates Insurance Services in Thousand Oaks, California can help you find the best personal and commercial insurance for your needs. Contact us for more information.

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