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Shopping for homeowners insurance can be tough, especially if you’ve purchased your first home. If you’re like most people, you want the best coverage possible, but how can you tell a great policy from a mediocre one? Instead of relying on online quotes alone, take the time to speak with an insurance agent and discuss your coverage needs. Here are a few of the most important questions to ask when shopping for insurance, whether you’re moving into your first home or are simply looking to update your existing policy.

4 Important Questions to Ask When Shopping For Homeowners Insurance

1. How much coverage do I really need?

The key to protecting your home is purchasing enough insurance to Homeowners Insurancecompletely cover the cost of rebuilding the structure and replacing the items inside. This includes all furnishings, clothing, food items, and electronics you have inside the house. When shopping for a policy, discuss the cost of rebuilding and replacement with your insurance agent. It’s a good idea to inventory the items inside your house to help your agent find the best policy for your needs.

2. What does the coverage protect us from?

Homeowners policies are thorough, but they won’t protect your home from every possible risk. Before deciding on a policy, make sure you understand precisely what the insurance covers. If there’s anything you’re worried about, like earthquakes or other disasters not protected by the insurance, you can always purchase a supplemental policy or add an endorsement.

3. How reliable is the company?

During your preliminary search of insurance providers, you’ll want to research the company backing the coverage. Though most companies are reliable, others may try to give you the runaround should you ever file a claim. When in doubt, speak with an insurance agent and ask them for a recommendation. Remember, the best policy may not be the cheapest.

4. Do I qualify for any discounts?

Many insurance providers offer discounts on coverage, but you have to ask for them. When selecting a homeowners insurance policy, ask if you qualify for any discounts. For example, if your home has a security system, you may qualify for reduced premiums on your insurance.

 

Shopping for a homeowners insurance policy doesn’t have to be confusing or stressful. Let the experienced agents at Northern Kentucky Home Insurance Company in Alexandria, KY, help you find the coverage you need. Whether you’re a first-time homebuyer or are looking to replace a current policy with more comprehensive coverage, they’ll be able to help. Learn more about their insurance coverage areas online and call (859) 635-2500 for a free insurance quote today.

 

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