How to choose an Insurance Agent and property insurance policy
Insurance for your new home is an important piece of the puzzle, and it’s good to start thinking about it now. A good INSURANCE AGENT will help you determine the best coverage for your needs and concerns, and provide you with a competitive rate.
These are agents that our clients have used and have been happy with. You are not limited by any means to these agents. Ask your friends and coworkers for referrals, too.
QUESTIONS TO ASK YOUR POTENTIAL INSURANCE AGENT
About the agent:
Can I get references?
How long have you been in business?
About the insurance coverage:
Are there discounts available? Please explain in detail.
Are there deductibles and under what circumstances do they apply?
Are the rates affected by the type of construction?
Is mold covered under certain situations and is there a limit for mold damage? What exactly is covered?
Please explain the different kinds of coverage:
What is the contents limit on my policy and are the contents covered on a replacement cost basis?
What is excluded in the policy?
What optional, additional, or extended coverage can I purchase?
Is umbrella coverage available?
Is it discounted in any way?
Am I insured for guaranteed replacement value or extended replacement value?
Can my home be rebuilt for this amount of coverage?
What is the limit on my policy for additional living expenses if I am forced to move out of my home, temporarily, because of damage to my home?
Am I covered for increased costs due to new building codes if I have to rebuild?
Liberty Mutual Insurance