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
Search All Blogs
Read More Blogs
Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog
Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.
The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success
Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.
Navigating the Grandparenting Journey: Understanding Today’s Families
Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.
Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks
The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.
Neighborly Navigations: Resolving Disputes in Non-HOA Communities
No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.
Peace of Mind at Home: Building Your Essential Supply Stockpile
Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.
Faded Glory: Remembering the Sports That Once Ruled Our World
Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.