TUESDAY, MARCH 16, 2021
|
 |
|
|
|
|
|
Time for a Home Insurance Check Up!
Here are some questions to ask your insurance agent to make sure your home insurance is up to date:
- Will this policy be adequate if I have a total or large loss? Will it cover the cost of rebuilding my home to its pre-loss condition, including demolition, debris removal and replacement of the foundation and roof to current building code standards?
- What causes of loss are not covered?
- What discounts do you offer and how do I qualify for them?
- What items are subject to limits or exclusions and for which of these limits or exclusions should I consider adding coverage?
- How much can I save if I increase my deductible? Is there more than one deductible in the policy?
- Is the deductible waived if there is a large loss?
- Is my Coverage C (Personal Property) for Replacement or Actual Cash Value? If replacement value is not included, what would it cost to add this coverage?
- What are my options for insuring my home-based business property and operations?
- Do I have enough coverage to replace my unique or special items such as electronics, piano, jewelry, fine art, oriental rugs, wine, collectibles, etc.?
- For how long will my temporary rent and related expenses be covered while my home is being repaired or rebuilt after a loss? Is there a total dollar cap, monthly cap or time limit on this coverage?
- If someone sues me, will my liability coverage pay for legal fees?
- Is my Coverage E (Personal Liability) limit enough to protect my assets and future income?
- If not, what does umbrella coverage cost?
- What if construction costs jump as they often do after disasters?
- Will my insurance cover the cost to upgrade electrical, plumbing and other building codes upgrades if I have to make repairs or rebuild my home?
Never hesitate to give us a call if you would like to review your coverages or obtain a coverage quote from Trident Insurance Agency.
We'll make sure you have the coverage you need at the best rate.
|
|
Posted 2:00 AM
No Comments
Post a Comment |
Required
|
|
Required (Not Displayed)
|
|
Required
|
All comments are moderated and stripped of HTML.
|
|
|
|
|
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only.
It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
in your state. By using this blog site you understand that there is no broker client relationship between
you and the blog and website publisher.
|