As a new homebuyer, you do not have to be an expert to make an informed decision about purchasing an insurance policy. Insurance agents are expert professionals that can provide guidance on the topic. At Senn Insurance Agency in O’Fallon, MO, we can help you get answers to the most important questions regarding a policy. Here are the top five questions that you should be prepared to ask your agent before you buy a policy.
1. How Much would it Cost to Replace my Home if it were a Total Loss?
You can chose the limit on your dwelling coverage that covers the cost of materials and labor to replace your home. One of our agents can help you calculate the cost to rebuild your home per square foot.
2. Do I Need to add Flooding Coverage?
A typical policy does not include specialty coverage for floods, but it’s recommended in areas that are prone to heavy rain and floods.
3. Should I Carry Liability Insurance?
Liability coverage protects your home against lawsuits for injuries and property damage. Contact one of our agents if your not sure how much to purchase.
4. What Happens if my Personal Belongings are Destroyed?
Personal property coverage protects your belongings that are not attached to the dwelling. Complete an inventory checklist with one of our agents to determine if you have enough coverage.
5. Are Discounts Available?
Ask about available discounts with one of our professional agents. The age of your home, security systems, smoke alarms, and gated communities are examples of possible discounts on your quote.
Senn Insurance Agency in O’Fallon, MO is here to help you with your home insurance policy. Visit our office today to learn how we can insure your home.