Check Out These Top Homeowners Insurance Questions to Ask Before You Commit to a Policy

Top Homeowners Insurance Questions to Ask

Know what to ask when looking for a new homeowners insurance policy.

Whether you’ve just purchased a new home or if you’re looking to switch policies, there are essential questions that you need to ask when looking for a new homeowners insurance policy. You need to know that your home will be protected if disaster strikes. Protect your home and check out these top questions to ask your insurance agent when looking for a home insurance policy.

Do I have enough coverage to rebuild my home?

When it comes to your home insurance, you should have enough coverage to rebuild your home. However, as the value of your home changes over time, the amount of coverage that you need also changes. If the cost to rebuild your home exceeds your coverage limits, you’re left paying out of pocket. Ask your insurance agent how much you need to rebuild. Then plan to take out coverage accordingly.

Do I need any supplemental coverage?

While you may assume that all home damage is covered under your policy, that may not be the case. Check with your insurance agent to determine which perils are covered under your policy. If you need any supplemental coverage for imminent dangers, discuss them with your agent. You may be able to take out an extra policy or supplemental coverage so you can rest easy knowing that you’re covered.

How will my claim be handled?

You need to know that your insurance agency will be there for you in your time of need so that it’s handled quickly and efficiently. Before you commit to a policy, find out what to expect when you file a claim. Determine how long it takes to process a claim and how you will be paid for damages.

Get the right homeowners insurance for your needs. Contact the professionals at Desert Empire Insurance Services, Inc. for assistance with your policies. Located in Palm Desert, California, we serve all your personal and commercial insurance needs.