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Buying Home Insurance

Here are a few things you should consider before choosing to buy your home insurance from an agent:

What type of home insurance companies do they represent?
It’s important to know the financial strength and customer service of your home insurance company.

Do I have enough insurance to replace all of my possessions?
It is a good idea to conduct a home inventory and estimate the cost to replace your items if they were stolen or destroyed by a disaster. You can insure possessions by their actual cash value or their replacement cost – make sure you discuss what type of coverage is best for you.

Is the agent available during non-business hours?
Many insurance agents may only be available during regular office hours but many times claims occur in the middle of the night. Check with your agent on their customer service hours to make sure they will be available when you need them.

What type of discounts are available?
Many insurance companies will offer discount rates if you carry auto, home, and life insurance policies with them. Combining these policies could save you a lot of money. Be sure to ask if this option is available.

Does the agent take time to answer my questions?
Insurance can be confusing and it important to do your homework to find the policy that fits your needs. An agent should provide education about the type of policy, prices and features so that you can make an informed decision.