subject: Picking The Best Home Insurance-ask Questions - A Lot Of Them! [print this page] You're looking for good insurance for your home and you're not exactly sure what makes a good policy. There is so many variations, with such a wide range of fees involved that you just want to sidestep all the comparison shopping and cut to the chase.
Getting insurance is important, yes, but spending ten years finding the perfect plan is not the only thing you had planned for the week end! Here is a good tip for you about where to find the best insurance companies and believe us, there are a lot of them in your area.
The people who most deal with top notch home insurance companies are going to be financial establishments or insurers themselves.
Get phone numbers or email addresses and start asking questions. The ones you don't get straight answers from you can cross off the list. What kinds of questions should you be asking of your prospective insurance company? How about these for starters?
* Explain your home situation and ask what type of policy will best suit you.
* Ask what will be included in the sort of insurance that you are considering and specifically ask what type of things will not be included. Ask about additional fees to include those items or if they are included in the next level of insurance cover.
* If you work at home, specifically ask about the cover for your home office supplies and machinery.
* Ask what personal items will be covered within the policy, if any and what you need to do to assure that they are covered.
* Request a list of things that may not be covered in the costs, such as antiques or personal jewellery.
* How much liability cover is provided and do they offer an umbrella policy that you might purchase?
* If you cover your home with their insurance, will they offer you cash value of the goods or is it replacement value only, will their company offering the estimation of the value of your goods?
* What is the voluntary excess on the policy?
* Can you get reductions in cost if you purchase both home insurance and car insurance from the same company?
* How do they actually handle a loss and a claim, What proof of property are you required to have in order to have it covered?
While you may have their eyes rolling back in their heads by the time that you've completed your investigations of their policy and cover options, you will have the facts. Getting all the information that you need prior to signing on the dotted line and then finding out that you don't have the cover you need is very important.
Investigate your insurance company before you buy the policy. Getting the facts and upsetting the apple cart just a little is a great deal smarter than finding out after a loss that you don't have adequate cover on your home insurance policy.
by: Tom Jones
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