As you shop for your homeowners insurance, make sure you ask these questions.
Homeowners insurance is important, but we know that shopping for it isn’t the most fun thing you’ll do this summer. It doesn’t have to be tedious, though! We want to help make it easier, so we’ve put together this guide. By asking your agent these questions, you’ll be able to put yourself on the path towards the right homeowners insurance policy.
Do I have enough protection for my stuff?
Your agent can help you get a ballpark idea of how much your personal property is worth (be ready to create a home inventory – it’s worth it!) and ensure you have a high enough policy limit. Make sure you also talk about your valuables, though. Things like art and jewelry will generally exceed the single-item limits of your policy, but you can schedule them in to ensure they’re fully insured.
What doesn’t this policy cover?
All too many homeowners assume that with a home policy, they’re insured against anything. This is far from the truth. For example, neither flooding nor earthquakes are covered under a standard home policy. Talk to your agent about what is and isn’t covered and make a game plan for defending against any unaddressed risks.
How can I cut my premiums?
Hey, it never hurts to ask! Plus, if anyone has the know-how to dig out hidden discounts, it will be your insurance agent; things, like bundling your coverage, or paying a higher deductible, can help you save a pretty penny on your coverage.
These questions will help you get started with shopping for homeowners insurance, but it pays to have an ally who will help you get the right coverage. For that kind of help from a dedicated professional, contact NorthStar Risk Management & Insurance Services, Inc. in Walnut Creek, California.