1. What discounts can I qualify for when insuring my home?
Good news: there are plenty of ways to get the best bang-for-your-buck when it comes to insurance. Do you have smoke detectors? Alarms in case of break-ins? Indoor sprinkler systems? Are you retired? If you answered yes to any of these questions, according to the Insurance Information Institute (III) in Six Questions to Ask When Shopping for Homeowners Insurance, you more than likely will qualify to reduce your homeowner’s insurance.
2. As far as the personal property inside of my house goes: how much is protected?
As a general baseline, most insurance policies will take care of 50 to 70 percent of the amount of insurance you have on your home when it comes to replacing personal property in the event of a natural disaster. Depending on where you live, it may be appropriate to purchase additional policies regarding earthquakes or flooding (III).
3. Can I bundle my policies together?
Bundling-it’s not just for firewood! Combining auto insurance and homeowner’s insurance is a win-win for you and your insurance agent. Not only will it build a good rapport between your home and the insurance company, it most likely will earn you a discount in the long run (CoverHound).
4. How can I make filing a claim as easy as possible?
Your insurance company should be there for you 24/7 because a claim doesn’t always abide by business hours. At Verdult Insurance service is at our forefront to alleviate the stress of the unknown or the waiting period because an agent shouldn’t just be there to bind a policy, but should be able to ease the stress of filing a claim. Get the best of both worlds with a boutique agency offering individualized service, but with the confidence of knowing you’re backed by a billion-dollar Insurance Company.
“Ask Your Home Insurance Agent These Questions.” CoverHound, coverhound.com/insurance-learning-center/ask-your-home-insurance-agent-these-questions.
“Six Questions to Ask When Shopping for Homeowners Insurance.” III (Insurance Information Institute), www.iii.org/press-release/six-questions-to-ask-when-shopping-for-homeowners-insurance-021512.
“Top Ten Questions to Ask about Your Homeowners Policy.” Heritage Property & Casualty Company, 8 May 2015, www.heritagepci.com/blog/top-ten-questions-ask-homeowners-policy/.