What To Ask When Shopping For A Homeowners Insurance Policy

What To Ask When Shopping For A Homeowners Insurance Policy

Use These Questions To Assure You Have The Right Coverage

When you are shopping for homeowners insurance, it will pay (literally) to know what you are looking for. Going into your time of shopping with knowledge to arm you will help you get the best coverage for the best price. To help you on the way to flawless protection, ask these questions.

  • What Does My Policy Cover? It is important for you to understand exactly what needs to cause the damage or need for replacement in order for your insurance policy to kick in. For example, you should know whether leaking roof counts as water damage (which most policies cover) or flooding (which most policies do not cover).
  • Are My Valuables Protected? If you have personal possessions worth significant value, ask your agent how to get them covered. Most policies have limits on valuables such as art, furs, and jewelry, but you can schedule expensive items into your policy to ensure they are protected. To secure the¬†right amount of coverage on all of your personal property, be sure to keep your home inventory up to date. You can use that inventory as a benchmark to denote how much coverage you should carry.
  • How Can I Save? Did you know that installing a security system or simply writing your home and auto insurance policies together could yield you savings? Ask your agent about how your lifestyle, your group memberships, your claims history, and other factors can play into driving down your premiums.

Would an industry expert coming alongside you to understand your unique needs and advise you on the proper coverage be helpful? If so, contact Tri-Star Insurance Professionals in Plano, Texas. Our team of local, dedicated agents is here to serve you in 2015 and beyond. Call us today!