{"id":544,"date":"2019-11-22T16:37:52","date_gmt":"2019-11-22T16:37:52","guid":{"rendered":"http:\/\/www.insurance-education-group.com\/insuranceeducationgroup\/?p=544"},"modified":"2019-12-04T19:01:17","modified_gmt":"2019-12-04T19:01:17","slug":"top-seven-home-insurance-questions","status":"publish","type":"post","link":"https:\/\/www.insurance-education-group.com\/top-seven-home-insurance-questions\/","title":{"rendered":"Top Ten Home Insurance Questions"},"content":{"rendered":"\n<p>\n\t\tWhat are the most important home insurance concepts you should\n\t\tunderstand before purchasing a new home insurance policy?  This\n\t\tarticle looks in-depth at the top ten questions you should get\n\t\tanswered before buying or switching a home insurance policy.\n\t\tWith answers to the top ten home insurance questions, you will\n\t\tbe able to pick a home insurance provider that will provide you\n\t\twith the best coverage, strong financial stability, excellent\n\t\tcustomer service, and a very reasonable price.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What I Should Know Before Buying Home Insurance<\/h2>\n\n\n\n<p>\n\t\tIf you are like millions of Americans out there, then to you\n\t\tinsurance is a big black box.  When it comes to home insurance,\n\t\twhat are you covered for and what should you really be\n\t\tconcerned about?  To help you make the right decisions about\n\t\thome insurance, I&#8217;ve compiled a list of the top ten most\n\t\timportant questions to get answered before you buy a home\n\t\tinsurance policy.  If you can get the answer to each of these\n\t\t10 questions (and understand that answer), then you have armed\n\t\tyourself with all the knowledge you need to pick a home policy,\n\t\tor upgrade the one you currently have.  So what are you waiting\n\t\tfor?  Read on!<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Is my home insured at actual cash value or replacement cost?<\/strong> A word to the wise; get a   <a href=\"http:\/\/www.insurance-education-group.com\/replacement-cost.html\">replacement cost<\/a> policy.   The main difference between actual cash value and replacement   cost is that a replacement cost policy will make you whole after   a claim with nothing more than your deductible out of pocket.   Actual cash value factors depreciation into the amount you   receive for a claim.  What does this mean to you?  Well, in   addition to your deductible, you could be forking out hundreds   to thousands of dollars to repair your home to the state it was   in before the damage.  A replacement cost policy doesn&#8217;t factor   depreciation into the equation, and thus will repair your home   in its entirety regardless of age with only your deductible as   your payout.<\/li><li><strong>Is my personal property insured at actual cash value or     replacement cost?<\/strong>  I have a close friend who got robbed   in college.  He had an actual cash value renter&#8217;s policy.   After his home insurance company factored in deprecation for   his 52 inch TV, all his clothes, his laptop computer, and his   leather couch, he received a check for ,000.  Moral of the   story?  Pay the extra few bucks a year to make sure you will   get full value on your stuff if something happens.<\/li><li><strong>What type of home policy is this?<\/strong>   As you may already be aware, not all home insurance policies   are created equal.  In fact, there are five different tiers   of home insurance policy you can buy.  From the most basic   coverage to the most extensive, the   <a href=\"http:\/\/www.insurance-education-group.com\/home-policy-forms.html\">policy types<\/a> are HO1,   HO8, HO2, HO3, and HO5.  My recommendation would be to stay   away from the HO1 and HO8 policies, because you might be   sorry later.  A good solid policy is the HO3.  It will protect   your home from everything with a few minor exclusions, and   will protect your personal property from the most common   causes of loss.<\/li><li><strong>What endorsements, if any, are on the policy?<\/strong>   Endorsements are add-ons that make your policy more   bullet-proof.  Examples of endorsements that can be added are   residential glass coverage, water backup coverage, or   additional coverage for electronics such as computers and LCD   TVs.  If you have any special add-ons, or want coverage that   you&#8217;re not sure is included, ask your agent or forever hold   your peace.<\/li><li><strong>What is the company&#8217;s AM Best rating?<\/strong> In an ever   changing economy, I&#8217;m assuming you&#8217;d like to know that your   current home insurance company is not going to be the next AIG.   <a href=\"http:\/\/www.insurance-education-group.com\/ambest-rating.html\">AM Best<\/a> is an organization   that rates insurance companies&#8217; financial stability.  Although   financial strength doesn&#8217;t always tell the whole story, it&#8217;s a   good indicator of what claims and customer service might also   be like.<\/li><li><strong>How can I be sure the home insurance company will provide   great claims and customer service?<\/strong>  This is probably the   toughest question to answer, because there is no sure fire way   of knowing exactly how a company will respond when you file a   claim.  The Better Business Bureau publishes complaint   information on most reputable insurance companies, and this is   what I would check first.  Also, most state websites publish a   customer complaint index on all insurance companies registered   in the state.  Search for your home insurance company to find   out how they stack up against the competition.<\/li><li><strong>Have all discounts been applied that pertain to me?<\/strong>   Lets face it.  You are not a professional insurance agent, nor   do you want to be.  You don&#8217;t have time to research whether or   not every possible discount that could possibly be added has   been put on your home policy.  By asking your agent this   simple question, it might cause her to rack her brain and find   another discount you might qualify for.  It&#8217;s worth a try anyway.<\/li><li><strong>What is my deductible?<\/strong> The higher the deductible, the   lower your premium, yet the more you have to pay if you file a   claim.  Are you more comfortable with a high deductible and   low insurance payments, or the other way around?  Decide what   your comfort zone is, then get quotes based on what you prefer.<\/li><li><strong>Is there anything that could cause my home policy to     cancel when they come to inspect the property?<\/strong>  You want   to make sure to ask this question in the beginning to avoid   headache down the road.  There are many things that could   cause a policy to cancel shortly after it&#8217;s written.   Depending on the company and its underwriting guidelines,   &#8220;cancelable offenses&#8221; could be vicious dogs, farm animals,   unrepaired damage, missing roof shingles, trampolines, diving   boards on pools, and much more.<\/li><li><strong>As my agent\/insurance company, what hours are you     available in case I need to contact you?<\/strong>  Why do you   have home insurance?  Ok ok, because the mortgage company   requires it.  But home insurance is also there to protect   you and make you whole if something happens.  You need to   make sure that your agent and\/or insurance company is   reliable and will be reachable by phone or in person when   disaster strikes.<\/li><\/ol>\n\n\n\n<p>\n\t\tDo you wonder if you could be getting the same coverage at a\n\t\tbetter price?\n\t\t<a href=\"https:\/\/insurance-education-group.com\/cgi-bin\/quote.cgi?type=home&amp;c=hp-quote&amp;from=home-article-top10.html#quote\">\n\t\t  Complete our online insurance form<\/a> and receive four or\n\t\tfive free quotes from top insurance carriers in your area.\n\t\tLearn and save on insurance at Insurance Education Group.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are the most important home insurance concepts you should understand before purchasing a new home insurance policy? This article looks in-depth at the top ten questions you should get answered before buying or switching a home insurance policy. With answers to the top ten home insurance questions, you will be able to pick a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[21],"tags":[22,24,23],"class_list":["post-544","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home-insurance","tag-home-insurance-questions","tag-top-ten-home-insurance-questions"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top Ten Home Insurance Questions &#8211; Insurance Education Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurance-education-group.com\/top-seven-home-insurance-questions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top Ten Home Insurance Questions &#8211; Insurance Education Group\" \/>\n<meta property=\"og:description\" content=\"What are the most important home insurance concepts you should understand before purchasing a new home insurance policy? This article looks in-depth at the top ten questions you should get answered before buying or switching a home insurance policy. 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