When it comes to your home, you want to ensure that you have the right insurance coverage. You need to be positive that your homeowners insurance policy protects you from perils, damages, and losses. When you’re in the process of shopping for homeowners insurance, these aspects become all the more important. Ensure that you pick the right policy and check out these questions to ask your agent when shopping for homeowners insurance.
What type of coverage is offered?
Different policies offer different coverage. Some policies offer coverage for a stolen computer, and others may not. Some may offer additional living expenses, others may not. Look at all the fine print before you decide on a policy. Not all disasters are covered and not all claims are paid in the same way.
How much coverage do I need?
At the very least, ensure that you have enough coverage to rebuild your home in the event of a disaster. Determining how much you’ll need will be determined solely on rebuilding. Keep in mind that you will need to update this price every so often as the value changes over time. Additionally, be aware that the property value and the rebuilding costs are two separate entities, and they’re unrelated.
How does your insurance agency handle claims?
Find out what’s involved in the process of filing a claim. If you ever needed to file a claim, you would want it to be handled in a timely manner. Ensure that your agent walks you through the process and gives you a reasonable timeline.
Is there a way to save on my policy?
When it comes to your home insurance, policies can get expensive. Ask your agent if there are any additional ways to save. They may be able to work something out to give you a discount.
Protect your home with the right homeowners insurance. The professionals at Phocus Insurance can find you the best policies for your needs. Located in Phoenix, Arizona we serve all your personal and commercial insurance needs. Contact us for more information.
We are PROUD to have been selected to join the Rosie on the House Partnership Program --- representing al the great listeners, friends, and family of the Rosie Romero "Rosie on the House" program.
Our family has been writing Rosie and Jennifer Romero's personal (and now business insurance) for the past 30 years right here in Phoenix, Arizona.