When you shop for your homeowners insurance, ask these 10 questions to get the savings and coverage you deserve.

Download these questions and take them when you shop your insurance

1462938919 20.png1) How much coverage did you quote on my house 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
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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?
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10) Do I have (or did you quote) a Flood Policy? What is my flood zone? *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.

Your personal possessions.

The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.

Your liability to others.


AND, to compile information about your house:

Year Built

Square Footage

When any upgrades were made if known. (New HVAC, new roof, new wiring, new plumbing, etc.)

Construction type (wood frame, wood frame with brick, concrete, concrete block, etc.) 


Follow these steps to save money on insurance, strengthen your home and protect your family.