3 Questions You Should Ask About Home Insurance

When it comes time to shop for home insurance in Temecula, CA, there are a few basic questions that need to be asked. Friant Insurance Agency is here to help. The qualified insurance agents that are on hand will be able to answer all of your queries in a timely and efficient manner. 

Here are three of the questions that must be asked before a home insurance policy is obtained:

1. What Are The Costs of a Total Rebuild?

This is a question that should be asked as early as possible. A quality home insurance policy will provide the necessary coverage and offer a homeowner the funding for a full scale rebuild. The best insurance agents are going to have the proper knowledge of the home, neighborhood and the cost of building materials. In general, these policies are typically designed to cover against any number of disasters.

2. How Much Liability Protection Is Necessary?

Any property damage or bodily injury that takes place on the property is the sole responsibility of the homeowner. A home insurance policy covers against these damages, as well as the damages that are caused by their pets. The home insurance policy must also cover the costs of court proceedings and hiring the proper legal representatives. 

3. Are Separate Policies Needed?

A home insurance policy does not always provide coverage for every issue that crops up in Temecula, CA. For example, the homeowner may need to purchase a separate policy to protect themselves from damages caused by earthquakes and floods. These are the types of perils that are often excluded from the typical home insurance policy. That’s why this topic must be covered during the initial consultation. 

If you have any additional questions about your current or future home insurance policy, be sure to visit the Friant Insurance Agency website as soon as possible.