What to Ask Your Agent? 

Below are a few important questions that everyone should ask their agent when purchasing homeowners insurance:

1. Do I have enough insurance to rebuild my home if it is destroyed?

2. Do I need flood and earthquake insurance?  What would be the cost?

3. Does this policy cover water damage, including damage from sewer, drain or sump pump backup?

4. Do I have enough coverage to replace all of my belongings?

5. Should I increase my coverage limits over time to cover updates that I make to my home?

6. Am I eligible for any discounts?

7. Are there any improvements that I can make to lower my premium?

8. If something happens, how do I file a claim?

9. How do deductibles work with my policy?

10.  Am I protected if someone gets hurt on my property?

11.  Can I buy extra coverage for liability?

12. What is excluded in my policy?