Home insurance is a tricky subject, and it’s easy to get lost in the maze of different policies and discounts. To find the right policy for your particular home, you need to know what questions to ask before you buy. Here are five questions (and their answers) that will help you make an informed decision so that purchasing a policy is one less thing you have to worry about.

1. What Does Homeowners Insurance Cover?

A typical home insurance policy covers damage caused by fires, storms, wind, and hail. It also covers theft and vandalism. Most policies will also cover your personal belongings, such as furniture and clothing, up to a specific limit.

2. How Much Coverage Do I Need?

The amount of coverage you need depends on the value of your home and your personal belongings. It’s a good idea to get an estimate of the replacement cost of your home before you purchase a policy. As for your personal belongings, consider how much it would cost to replace them if they were lost or damaged.

3. What Discounts Are Available?

Many insurers offer discounts for things like having a home security system or being claims-free for a certain period. Some even offer discounts if you purchase your policy online. Be sure to ask about any available discounts so you can save money on your premium.

4. What Is the Claims Process Like?

No one wants to file a claim, but it’s essential to know the process if you need to use your coverage. Find out how long it typically takes to process claims and what documentation you’ll need to provide.

5. What Is Customer Service Like?

You’ll want to make sure you’re working with an insurer with good customer service. Find out what the process is for contacting customer service and see how responsive they are to questions and concerns.

Asking these five questions will help you understand what you’re getting into when you purchase a home insurance policy. Advantage Insurance Network in Cincinnati, OH, can help you find the right policy for your needs to have peace of mind knowing your home is protected. Give us a call today to get started.