The Top 10 Questions To Ask About Homeowners Insurance 1 - How much coverage did you quote on my house? Does and does this include detached structures (garage, workshop, etc.)? 2- How much coverage is provided for my personal property (my stuff)? 3- Are my contents insured for replacement cost or actual cash value (ACV) 4- Is my house insured for replacement cost or actual cash value (ACV) 5- Do I have sewer and water coverage? 6- How much is my deductible in dollars? How about my wind deductible 7- Do I have (or did you quote) a separate Wind/Hail policy? 8- Do I have coverage for Additional Living Expenses? 9- How much Ordinance and Law coverage do I have? 10- Do I have (or did you quote) a Flood Policy? What is my flood zone? *Don't think Flood Insurance is needed? Visit our Flood Insurance page When Shopping for Homeowners Insurance, Remember - You need enough insurance to cover the following: - The structure of the home and any additional structures (detached garage, shop, shed, etc.) - Personal possessions (your stuff) - The cost of additional living expenses needed to live elsewhere during repairs - Potential liability to others To gather information about your house: - Year Built - Square Footage - Roof shape - When any upgrades were made, if known. (New HVAC, roof, wiring, plumbing, etc.) - Construction type (wood frame, wood frame with brick, concrete, concrete block, etc.)