Home insurance is one of those things that you hope you never have to use, but it’s essential to have in case the worst does happen. When selecting a home insurance policy, it’s essential to work with an experienced agent who can help you navigate the various options and find the coverage that best fits your needs. Here are five questions to ask your home insurance agent before buying a policy.

1. What Type of Coverage Do I Need?

There are various home insurance policy types available, and the kind of coverage you need will depend on factors such as the value of your home, the likelihood of certain risks occurring, and your budget. Your home insurance agent can help you assess your needs and choose the right policy type for your situation.

2. What Perils Are Covered?

Most home insurance policies cover common risks such as fire, wind damage, and theft. However, coverage for other risks, such as floods or earthquakes, may need to be purchased separately. Be sure to ask your agent which perils are covered by your policy.

3. How Much Coverage Do I Need?

The coverage you need will depend on the value of your home and personal belongings. Your agent can help you determine an appropriate amount of coverage for your situation.

4. What Exclusions Are There?

Every home insurance policy has exclusions, which are risks not covered by the policy. Be sure to ask your agent about any exclusions that apply to your policy, so you know what risks you’ll need to protect yourself.

5. How Much Does the Policy Cost?

The cost of a home insurance policy will vary depending on the coverage you need and the type of policy you choose. Be sure to ask your agent for a quote so you can compare rates and find the most affordable policy for your needs.

Get Home Insurance in Houston, TX

Asking these five questions will help you select the right home insurance policy for your needs. Insurance Over Texas offers a variety of home insurance policies to fit any budget. Contact us today for a free quote.