Thursday, January 19, 2017

3 Important Questions For Homeowners

       Get the most out of your homeowners insurance by understanding what your policy actually covers. Free insurance reviews help you to ask the pin- pointed questions that could make a big difference in your assumed coverage and actual coverage.

Can You Answer These Questions? 
  1. What is the top dollar amount of coverage I have with my insurance policy?
  2. Does my policy cover the estimated worth of my home OR ACTUAL REPLACEMENT?
  3. Will my policy replace my belongings OR only a percentage?

If you cannot answer all three of these questions, it is time to have your insurance reviewed.  Have your insurance reviewed with these questions in mind. Home is a wonderful place.

As we generally understand insurance, we can assume that everything is covered.  Often we do not fully take the time to comprehend the details of our insurance policy.  It is such a common thing to insure our homes and vehicles; but often we do not ask questions.  It may seem awkward or impertinent to us to ask questions with “how much” or “what if” starting our sentences.

Relax, your agent does not see this as impertinence. Your agent wants you to be informed and understand what your policy protects, this is how he services you best. He is eager to have this appropriate conversation.

Often our lives are so busy that homeowners insurance is something we purchase and then forget about it. However, this can be detrimental when the need arises to use your insurance. Never have the “it can’t happen to me” idea; that is human nature and everyone it happens to has to struggle through disbelief.

Those who believe in prevention and protection, are able handle a tragedy that affects the home better. Of course, no one ever feels it's smooth sailing, but with all the proper things in place, getting through it is easier.

Consider having to replace your belongings inside your home. As we own items they lose value over time. We invest in a bedroom set or our high end television with all the electronic systems that go with it;  it is important to protect our investments.  We need to be certain that our policy covers an actual replacement of the item and not a depreciated value of it. Imagine only getting garage sale prices or lower for the items in your home. That is why it is important to have these conversations.

Farmers Insurance Sopko Agency  is offering Free Reviews for your homeowners Insurance. Call today and make an appointment for your Review.  It’s a wonderful thing to be able to check this item off your list and have peace of mind knowing you are protected in the way you expect to be.