An African adage has it that one who asks questions never loses their way. If I were to add to that,I would say he who asks the right questions never loses their way. So to get the best home insurance coverage, you need to know the right questions to ask. Here we go. We have many more Home Insurance Help Articles Now Available.
Important questions for your home.
(i) To protect my home, what kind of home insurance policy do I need?
(ii) I’m buying a house or a condo or town house or I’m renting. How does this affect my coverage or rates?
(iii) Can I save money by making my home safer?
(iv) Do I need mortgage protection insurance?
(v) What is the real value of my house today if I wanted to rebuild it?
For your personal properties.
(i) If I were to replace my personal properties or the contents of my house today, how much would it cost?
(ii) Can I get a coverage to cover repairs and /or replacements of my personal properties and appliances in my home?
(iii) Do I need to keep my belongings inventoried or do I need to have them photographed?
For your guests and you.
(i) How do I get covered against liability claims?
(ii) If my guests are accidentally injured on my property, would my coverage cover their medical expenses?
For your coverage
(i) Is earthquake insurance a need?
(ii) What of flood insurance?
(iii) A personal liability umbrella coverage. Do I need it?
(iv) I need to know that my valuables are adequately covered. How do I make sure of this?
(v) How much is an suitable deductible? ( this is the amount you are required to pay before your insurer can pay your claim)
(vi) If a covered loss occurs that makes it impossible for me to live in my home for sometime, would I be reimbursed for additional living expense?
These and some other questions you might pick up would help you get the best coverage and rates.
You can make sure you get the best rates if you compare quotes online. Be sure to do this as it will ensure you get the best rates.
You can start immediately with these two. We have many more Home Insurance Help Articles Now Available.