Get the insurance savings and coverage you deserve.

Download these ten questions before you shop for your insurance.

Top Ten Questions Homeowners Ins Banner Finalpsd

The Top 10 Questions To Ask About Your Homeowners Insurance

  1. How much coverage did you quote on my house? 
    1. 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?
    1. 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?
    1. What is my flood zone?
    2. *Don't think you need Flood Insurance? Visit our Flood Insurance section. 


You need enough insurance to cover the following:

  • The structure of your home and any additional structures (detached garage, shop, shed, etc.)
  • Your personal possessions (your stuff)
  • The cost of additional living expenses if you have to live elsewhere during repairs
  • Your liability to others

AND, to gather this information about your house:

  • Year Built
  • Square Footage
  • 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.)