Ask how the structure is valued
Rebuilding cost may differ from a purchase price or market value. Ask what the proposed dwelling limit is based on and whether relevant features were included.
HOME INSURANCE
Consider what makes your home yours.
A property discussion should cover more than the building itself.
Account for personal belongings
Review how losses to belongings are valued and whether particular possessions face special limits. Keep an inventory for your own records.
Understand disruption after a loss
Ask whether qualifying temporary living costs are covered if a covered event makes the property uninhabitable, including limits and conditions.
Identify risks outside the policy
Flood, earthquake and other events may be excluded or require separate protection. Confirm location-specific concerns with the responsible provider.
Actual coverage is governed by the policy and its endorsements. Limits, exclusions and eligibility vary. An enquiry does not activate insurance.
MAKE ROOM FOR YOUR QUESTIONS
Start your next decision
with a conversation.
Call Insurance Smart Broker at (888) 337-1438.