Discover the essential questions to ask your home insurance agent. Learn about coverage details, deductibles, personal property protection, and more with these top 15 questions. Ensure you understand replacement costs, additional living expenses, and specific policy exclusions to secure the right coverage without overpaying. Find out about flood policies, ordinance and law coverage, and ways to save on premiums. Get insights on liability protection and claim processes to safeguard your home against disasters. Equip yourself with the knowledge to make informed decisions and protect your home and belongings effectively.”
What’s the dwelling coverage per square foot? How was the replacement cost calculated? Is this coverage enough to fully rebuild my home if it’s destroyed? Does this include coverage for detached structures (garage, workshop, etc.)?
How much coverage did you quote on my house? Does this include detached structures (garage, workshop, etc.)?
How much coverage is provided for my personal property (my stuff)?Are there limits on specific categories like jewelry or electronics? Can I increase coverage limits for certain items?
Are my contents insured for replacement cost or actual cash value (ACV)? What’s the difference in terms of coverage and cost? Can I choose between replacement cost and ACV coverage?
Is my house insured for replacement cost or actual cash value (ACV)? What’s the difference between these coverage types?
Do I have sewer and water coverage? What types of water damage are covered? Are there exclusions for specific causes of water damage?
How much is my deductible in dollars?Is there a separate deductible for wind or hail damage?
Do I have (or did you quote) a separate Wind/Hail policy?What specific risks are covered under this policy?
Do I have coverage for Additional Living Expenses (ALE)?What expenses are covered under ALE? Is there a limit to the duration or amount of ALE coverage?
How much Ordinance and Law coverage do I have?What does this coverage include?Is there a limit on the amount of coverage provided?
Do I have (or did you quote) a Flood Policy?What is my flood zone?What specific flood risks are covered under this policy?Are there exclusions for certain types of flooding?
How can I save on my homeowners insurance?Are there discounts available for bundling policies?What security and safety features qualify for discounts?Can I increase my deductible to lower premiums?
What happens if I need to make a claim?How do I file a claim?What’s the process for assessing damages and receiving payouts?
Does my policy offer enough liability coverage?What is the liability coverage limit?Should I consider an umbrella policy for additional liability protection?
Is there anything else I should know about my policy?Are there any exclusions or limitations that I should be aware of?Can I review the policy documents to understand all terms and conditions?
These questions will help ensure you have a clear understanding of your homeowners insurance coverage and can make informed decisions about protecting your home and belongings.
