Questions to Ask About Homeowners’ Insurance in Glendale, AZ
Your home is likely going to be the biggest investment you ever make. It’s important to know that it and all of its contents are going to be well protected. When shopping for homeowners insurance in Glendale, AZ, be sure to ask your agent the following questions before deciding on a policy.
Am I Fully Covered if Someone is Injured in my Home?
There is a maximum amount an insurance company will pay out for legal bills and damages in the event someone is injured on your property and later sues you for it. Work with your agent to determine the amount that’s right for you.
Am I Covered no Matter how my Home is Damaged?
The answer to this is no. Damage from flooding is not covered under a standard policy, and other natural disasters might not be covered either. Ensure you know what types of damage are omitted from your policy so you can purchase the correct supplemental insurance as needed.
Is Jewelry Fully Covered under my Homeowners Insurance Policy?
There are limits imposed on claims related to expensive jewelry. If you have jewelry that is very valuable, it is best to talk to your agent about these limits to determine if you need additional coverage.
How Can I Reduce my Monthly Premium?
Insurance is a necessity, but it’s one that does not come cheap. Your agent will help you determine the coverage you need based on your current household, lifestyle, and budget. In addition, some insurance companies offer credits and other discounts depending on certain factors, which you can discuss with your agent.
When I Have to make a Claim, How Can I Make the Process Easier?
Your agent will have many tips to answer this question, the first of which will likely be, “Provide us with a home inventory.” In the event something is stolen or damaged, when your homeowners insurance company has an up-to-date inventory on hand will streamline the process substantially.