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The following article was published in our article directory on July 25, 2017.
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6 Questions to Ask About Homeowner Insurance

Article Category: Advice

Author Name: Jennifer Lang

Do you know that when it comes to buying insurance, asking questions pays. If you are planning to buy homeowner insurance, you should remember that the policies vary a great deal. While some of the coverage will be included, the rest will be available at additional premium.

Here is a list of the most important questions that you should be asking your agent when buying homeowner insurance:

Is the home fully covered for replacement cost?

This is one of the major factors that differ among various homeowner insurance policies. If your house is covered only for its current market worth or only for the loan, then you might be underinsured. If this is the situation, then it means there will be no way for you to rebuild the house as it is now in the case of an emergency or misfortune.

Therefore, when buying a homeowner insurance policy, you should ensure that all the features of your current home are taken into consideration. The cost of rebuilding your house to its current glory is bound to be greater than the loan amount or its current market value.

What will be the deduction on the policy?

For every insurance policy, there is a deductible. It is the portion of the loss that you have to pay. In case you can afford a high deductible whether with your savings or resources, your premiums can be significantly reduced. Ask your agent and they will let you find just the right balance.

Does your policy include coverage for an earthquake?

You might think that all policies would cover the damage caused by an earthquake, but this is not the case. If your homeowner insurance policy does not cover earthquake damage, you can have it added for extra premium. However, you are recommended to ask your agent's advice on the need to have earthquake coverage in your area. Never assume on your own that you do not need it.

Does the policy cover water damage?

Check your homeowner insurance policy for coverage of damage from sump overflows, sewer backups, and water pressure from underground sources. Generally, the homeowner insurance policies do not provide such coverage, but you can have them covered with additional premiums.

Does your policy provide coverage for lost silverware or jewelry?

While most homeowner insurance policies provide limited coverage in case of theft of these items, mysterious disappearances do not come under this category. Therefore, you must ask your agent to clarify this to you beforehand. Also, inquire if the coverage will be available at an additional premium.

Does your policy provide any compensation for slander, defamation, and/or identity theft?

A number of homeowner insurance policies cover identity theft, defamation, slander, and invasion of privacy. However, it is not provided by all and if you want to have it, you must add them for additional premiums.

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