Call Us 740-446-0404 ☰ ˟
Logo
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • In the Community
      • Our Locations
    • Get A Quote
    • Our Providers
    • Community Referral
    • BlogImage of right arrow
      • How To Improve Your Business Owners Policy
      • COVID-19 Personal Auto Refund Programs for SIA Policyholders
      • What to Know about Coronavirus and Business Insurance
      • Insurance Terms Explained
      • Insurance Business America Magazine
    • Contact UsImage of right arrow
      • Saunders Insurance Agency
    • SIA On Instagram
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Loss Prevention Resources
    • Farm InsuranceImage of right arrow
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Religious Institutions
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Veterinary Insurance
      • Vineyard & Winery Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Coverage
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Public Entities Insurance
  • Contact Us
    • Saunders Insurance Agency
    • Location & Hours
    • Get A Quote
Icon Group/Employee Benefits Icon Commercial
Icon Farm
Icon Home
Icon Auto
Home > Blog > Five Questions to Ask Your Homeowners Insurance Agent
MONDAY, MARCH 27, 2023

Five Questions to Ask Your Homeowners Insurance Agent

Buying home insurance isn't something that you do every day, or even every year. So it's easy to forget what coverage includes and all the lingo that surrounds the industry.  
Auto and home insurance
Before you buy your next policy, you need to ask your insurance agent these questions. You want to understand your policy before making a selection. Here are four questions you must ask your agent: 

1. Does it include earthquake and flood coverage? Most homeowners policies do not include this in their basic coverage. Check to see if your home is in an area that's prone to earthquakes, flooding or other natural disasters. If there's a high chance of needing coverage, see how you can get it. Ask about a rider to give you the extra protection should an event occur. 

2. Is my home covered for full replacement costs? There are two phrases in the industry which seem synonymous at first glance, but in reality are far from it. Replacement value and replacement cost. Though it's usually a little more expensive, replacement cost covers the cost to rebuild. Replacement value only pays out the amount of the home's value at the time of purchase. If you need to make a claim, you might not realize at how little you'll get to rebuild. 

3. How much is the deductible on my home insurance policy? Like most insurance, the higher the deductible, the lower the payment. Choose a $2000 deductible if you have a healthy emergency fund. Then build your savings up with the difference. Know how much risk you feel comfortable taking on and choose a plan that fits your budget and risk tolerance level. 

4. Will my expensive jewelry and antique toy collection have coverage? A single antique or your diamond ring are likely covered in your basic policy. But, if you have any kind of valuable collection, it's most likely not included. This may be simply because the policy's coverage limits cannot extend to the collection's value. Check with your insurance agent to see what rider options are available. A rider will provide coverage if your expensive items get stolen or damaged. 

A good home insurance agent will explain the policy completely. They shouldn't mind answering extra questions. It's easy to get confused when dealing with all the insurance jargon. You should be confident that you understand the policy and that you know it's the best choice for your needs. 

We've got you covered. Saunders Insurance Agency can help you get a fast, free home insurance quote when you need it. Call us today at 740-446-0404. 
Posted 6:02 PM

Tags: homeowners insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • auto insurance(3)
  • homeowners insurance(2)
  • classic car insurance(2)
  • life insurance(2)
  • business owners policy(2)
  • health insurance(2)
  • general liability insurance(2)
  • construction insurance(1)
  • cyber liability insurance(1)
  • loss control(1)
  • workers compensation(1)
  • business insurance(1)
  • cyber insurance(1)
  • renters insurance(1)
  • bop(1)
  • professional liability insurance(1)
  • commercial auto insurance(1)
  • home insurance(1)
  • professional liability(1)
  • employee benefits(1)
  • contractors insurance(1)

View Mobile Version
Insure your needs today!
Social Social Social
Quick Links
Home
Get A Quote
About Us
Our Carriers
Partners
Blog
Contact Us
Location 437 2nd Ave
Gallipolis, OH 45631
PO Box 523

P: 740-446-0404
F: 740-446-4719
Powered by Insurance Website Builder