Ask the right questions when updating your home insurance policy.
Whether you’ve bought a new home or are just looking to change your home insurance policy, there are vital questions that you need to ask your agent. The answers to these questions can help guide you in choosing the right homeowners insurance policy. Check out what you need to ask when picking the right policy.
Does my policy cover rebuilding costs?
It’s of the utmost importance that your insurance policy covers your rebuilding costs. If your home is damaged, you need to know that you have enough coverage to rebuild your home or you could be left paying out of pocket. As time goes on, your rebuilding costs change. Ask your agent how much it costs to rebuild your home so that you can rest easy knowing your home is well protected.
What perils are covered under my policy?
Not all damage is covered under your home insurance policy. Ask your agent what types of damages are covered under your policy. There may be certain types of disasters that are common in your area that require additional protection. Look into whether or not you need supplemental coverage so that you know that you’re protected.
How much do I need to protect?
Determine what you need to protect and conduct a home inventory before meeting with your agent. That way you know what valuable items you need protected. You can take out a new policy to get enough coverage or update your current policy so that you have enough supplemental coverage.
Are there any additional discounts?
Ask your agent if you qualify for any discounts. As your life changes, there are always new ways that you may be able to save on your policy. If you don’t ask, you’ll never know.
Before changing your home insurance policy, ask the right questions, and contact the professionals at ISU Wissink Insurance. Located in Culver City, California, we serve all your personal and commercial insurance needs.