Whether you're buying a new car or just checking up on your policy, an insurance agent offers a level of personalized attention and expertise that online price comparison tools can never match. Henry Russell Insurance Agency, a Farmers Insurance provider based in Robertsdale, AL, recommends taking advantage of you insurance agent’s extensive knowledge by asking a few questions before choosing a policy.

3 Questions To Ask Your Insurance Agent

Do I Qualify For Discounts?

Every insurance company will offer discounts. These can be based on everything from your student record to your military service record. Additionally, you can often save a significant amount of money by bundling your policies. In fact, by investing in an umbrella insurance plan from one company, you could save 20% or more.

Am I In A Flood Zone?

The flood maps are in a constant state of flux, and as the storms in Baton Rouge have proven, you don't even have to live in a flood zone to lose everything to rising waters. Have an honest conversation with your insurance agent about your risk factors so they can recommend the best flood insurance policy for you.

Do I Have Enough Coverage?

Many homeowners insurance policies will compensate you for the fair market value of your property if it's destroyed, but this amount may not be enough to rebuild your home. Talk to your insurance agent about your policy limits and adjust them if necessary to make sure you're adequately covered in all areas.

To discuss your coverage options and see if you can buy additional coverage for excluded perils or lower your homeowners insurance premium, contact Russell Insurance Agency in Robertsdale, AL. They've been serving businesses and individuals throughout lower Alabama for more than 20 years. They make customer service their number one priority, and they specialize in home, life, business, and auto insurance. Visit their Facebook page to view directions and business hours or call (251) 947-3607 to request a free quote.