Finding an exceptional homeowner’s insurance policy can be challenging. After all, the coverage is designed to protect some of the most important things in your life. It needs to be thorough and provide adequate protection for you and your family. Before you purchase a policy, ask your agent a few questions to make sure the coverage is exactly what you need. Here are some of the most critical questions to ask when shopping for home insurance.

4 Essential Questions to Ask When Looking for Home Insurance

1. What Does the Policy Not Cover?

Many homeowners believe that their insurance policy protects them from damage relating to floods, earthquakes, and other natural disasters. However, in most cases, standard home insurance does not provide coverage for these events. Before agreeing to a policy, make sure you understand what the policy will not cover. This way, you’ll know if you need to purchase supplemental insurance to completely protect your house.

2. Do I Have Enough Coverage to Completely Rebuild My Home?

While home insurance covers the structure itself, it also covers the items and furnishings you keep inside the house. If everything was destroyed and you had to rebuild your home from the ground up, you’d want to make sure your policy had high enough coverage limits to completely rebuild the house and replace everything inside. If your existing coverage is not high enough, consider increasing the limit. If you’re purchasing a new policy, save yourself the worry and make sure the coverage limits are high enough right out of the gate.

3. Are There Any Discounts Available?

Most insurance providers offer discounts on their policies, but they don’t advertise them; you have to ask. When shopping for quotes or looking to revise existing coverage, ask if there are any discounts you’re missing out on. Home upgrades like energy-efficient appliances, new roofing systems, and even security systems can all reduce monthly insurance premiums.

4. Is the Deductible Too High?

If the deductible is higher the monthly premium is lower—however, if the deductible is too high, you may find it difficult to afford to file a claim. The last thing any homeowner wants to do is make their property insurance inaccessible. Make sure the deductible is affordable first. Although you may end up paying higher premium costs, a lower deductible will make filing a claim easier.

Consolidated Agency in Rochester, NY, has helped residents find affordable and comprehensive home insurance since 1988. Their dedicated agents understand that no two homeowners are alike and will work to understand your unique needs before recommending coverage. Learn more about their services by visiting the website, and see the difference a local agent can make in keeping your home safe. To speak with a member of their staff, or to get a free insurance quote, call (585) 467-4110.