4 Questions To Ask Your Home Insurance Company

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Homeowners insurance may not be exciting, but it’s certainly important.

Remember, a home is likely to be the biggest investment you ever make. If you don’t insure your investment, you’re playing with fire.

Hopefully, not literally.

Unfortunately, a lot of homeowners get push back from their insurance companies when they file a claim. In addition to reading your policy to become acquainted with your coverage and coverage levels, here are 4 questions you’ll want to ask before signing on for a specific policy.

  1. Do I have multiple deductibles? On some policies, you might find that your deductibles are higher for things like hurricanes, wind, hail, and other disasters.
  2. What isn’t covered? Certain things aren’t covered in standard homeowners policies. Flood damage and earthquake damage are common exclusions. Consider your needs and be prepared to add riders to your policy to make sure you’re covered.
  3. What’s the dwelling coverage per square foot? Did you know that the replacement cost calculators insurance companies use aren’t 100% accurate? That means you might not get enough to rebuild if your dwelling coverage is less than the full replacement cost of your home. To be sage, you may be able to opt for guaranteed replacement cost coverage or extended replacement cost coverage instead.
  4. What discounts am I eligible for? Insurance companies that offer more than one line of insurance often provide discounts for customers who bundle services. So, if you have car insurance, see if that company offers homeowners insurance, too!

If you’re confused about your coverage options, it’s best to talk through your options with an insurance agent. If you don’t already have one, I’m happy to share some recommendations with you! 

Also, if you’re thinking about making a move (or know someone who is), I can help! Just reply back to this email or send me a text. No pressure, no sales tactics, just helpful advice and the guidance you need!

And finally, if you’re not thinking about making a move just yet, feel free to save this email for future reference, so you can come back to it!

P.S. Be sure to check out my free local Facebook Group, Explore NY Life. It’s a great place to connect with other community members and get weekly updates on the best events and happenings in and around town!

Picture of Nina Rodriguez

Nina Rodriguez

I'm Nina Rodriguez. I am a Realtor at Coldwell Banker Realty. I live and work in the Hudson Valley and love everything this area has to offer. If you live or thinking about moving here, you have come to the right place! Stay up to date on Events, Outdoors, Real Estate, and more. I’m looking forward to connecting with you soon! See you around town! hello@thehvlife.com | 914.685.8222

The Hudson Valley Life

Westchester, Rockland, Putnam and Orange County

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