Why the questions matter
Most people see their policy for the first time when they file a claim. A few questions up front can show you whether your limits fit your home, where the gaps are and what a claim would actually look like. Bring your current declarations page so the agent can compare. Write down the answers, or ask the agent to email them, so you have a record when you renew.
Questions about your home's coverage
- How did you estimate my rebuild cost?
- Is my dwelling limit enough to rebuild at today's prices?
- Do I have replacement cost on the home and my belongings?
- Is my roof covered at replacement cost or actual cash value?
- Do I have extended replacement cost if rebuilding costs more than expected?
Questions about deductibles
- What is my regular deductible?
- Do I have a separate wind, hail or hurricane deductible?
- Is that deductible a flat amount or a percentage?
- How would raising my deductible change my premium?
Questions about gaps
- What isn't covered under this policy?
- Do I need flood insurance, even outside a high-risk zone?
- Do I need water backup or sump pump coverage?
- Are my jewelry, art or collectibles covered enough?
- Do I need an umbrella policy for extra liability?
Questions about price and discounts
- What discounts am I getting, and which am I missing?
- Would bundling my home and auto lower my total?
- How would a claim affect my premium?
- What could make my premium go up at renewal?
Questions about claims
- How do I file a claim, and who helps me?
- How quickly should I report damage?
- Can you help me if a claim gets complicated?
Questions about your liability
Liability coverage protects you if someone is hurt on your property or you accidentally damage someone else's things. It is easy to overlook, but a serious injury claim can cost far more than most home repairs.
- How much liability coverage do I have, and is it enough for my savings?
- Am I covered if my dog bites someone?
- Does my policy cover a pool, trampoline or home business?
Why an agency that compares carriers helps
An agent who works with several carriers can compare options side by side, not just one company's products. CapCenter's licensed insurance agents compare quotes from multiple carriers for home, condo, renters and auto insurance. You don't need a CapCenter mortgage to get a quote.
