Are You Asking the Right Questions About Homeowners Insurance?

Are You Asking the Right Questions About Homeowners Insurance?

When it comes to homeowners insurance, it is important to ask the right questions to get helpful answers. For example “Can I get cheap homeowners’ insurance?” may seem like a good question, but the answer may not be particularly beneficial. You certainly can buy a cheap car or truck, for instance, but will it be reliable and will it do the job? What you probably really want is affordable homeowners insurance that will meet your expectations when you need it.

The answer to the question “How much homeowners’ insurance do I need?”, as another example, may be far different from “How much homeowners’ insurance should I have?” Your mortgage company may only require enough protection to cover their interests but it may not provide enough coverage to completely replace your home.

“Is my home protected from water damage” may elicit a different response than if you ask if your home would be covered in a flood. Flood insurance is a FEMA administered program that must be secured in addition to your homeowners’ insurance.

There are also helpful additional coverages that may be available but you may otherwise miss. Living expenses that would cover you while your home is being repaired after a covered calamity, for example. You should also know the difference between having your home insured for market value vs replacement cost. This piece of knowledge can prevent you from under or over-insuring your home.

Rather than asking if an agent sells homeowners’ insurance, a better question may be “Are you an independent insurance agent?” You see, some agents are held captive to representing only the products of their designated company. This limits your options considerably. If they are an independent agent, however, they can represent homeowners’ insurance from a variety of companies. This gives them a better opportunity to shop for the insurance you deserve at a price you can afford. There’s no-obligation to purchase and your quote is provided at absolutely no cost to you.

If you haven’t compared homeowners’ insurance rates in longer than you can remember, contact one of our independent insurance agents today. They have the right answers to the right questions to help you get the coverage


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

From Edsel to Yugo: Three Automotive Flops That Made History

The biggest blunders in automotive history.

Stay or Go? Why Improving Your Current Home Might Be Your Best Move Yet

Love your home, don’t leave it! Discover why improving beats moving.

The Unforgettable Eight: Women Who Captured Our Hearts

Meet the eight women who are loved by all.

Elevate Your Enterprise: 11 Smart Ways to Boost Business Professionalism

Boost your business’s professionalism without breaking the bank.

Lightening the Load: A Guide to Decluttering for Your Loved Ones

Declutter for peace of mind, yours and theirs.

Smart Car Buying: Beyond the Sticker Price

Unlock the hidden costs of car ownership.

6 Simple Steps to Supercharge Your Home Security

Simple, affordable ways to protect your home.

Beyond Boredom: Unearthing the Surprising Stories Behind Our Favorite Board Games

Game night secrets revealed! Discover the surprising origins and quirky facts behind your beloved board games.

Avoiding the Pitfalls: Common Mistakes of At-Home Businesses

Launch your home business right! Learn to avoid the common errors that can derail your entrepreneurial dreams.

Your Life Insurance Recipe: Crafting the Perfect Blend for Your Family’s Future

Find your perfect life insurance mix: Learn how to blend term and permanent policies for optimal family protection.