Many people understand the importance of having a home insurance agent to protect their assets, but not everyone is fully confident in making a final decision on a policy. As the team at Sun Valley Insurance in Indian Trail, NC, explains, while your agent can help you during this process, asking a few key questions will help you select the right coverage for your needs.

What Is & Isn’t Covered by My Policy?

There are several different types of home insurance policies, including those for mobile homeowners, those that cover only part of a home, and those that insure your entire house (and any property contained within it) from almost every type of disaster. Depending on your housing situation, certain policies will be a better fit than others. Understanding what is (or isn’t) included in a particular option will help you avoid being underinsured. In some cases, you may need to add an addendum for flooding or other issues.

What Are My Premiums & Deductible?

Understanding how much you’ll pay each month — as well as how much you’ll need to pay out of pocket before insurance kicks in — is essential for managing your family finances. An insurance agent will provide guidance in balancing your premium and deductible to keep your finances in check. Don’t be afraid to ask about ways you can get discounts for your policy, either!

How Do I File a Claim?

If an accident occurs, knowing the proper steps for filing your claim is essential for getting your needed reimbursement. Get a complete understanding of what you need to do to file a claim so you don’t have to wait to get the financial help you need.

For a dependable and trustworthy insurance company, you can’t go wrong with Sun Valley Insurance. They will work closely with you to determine your coverage needs and find the right policy. To contact an insurance agent or request insurance quotes, visit them online or call (704) 282-1155.