When you’re shopping for home insurance in Scotia, NY, you want the best possible policy. There are several questions you should ask your independent insurance agent. At DePaulo Agency, we are here to answer all of the questions that you might have.
What coverage is included?
You will want to make sure that your standard policy covers everything that you need. This includes having enough financial protection that you would be able to repair or replace your home in the event of catastrophic damage. You also want to make sure that all of these structures on your property are included, ranging from a barn to a detached garage.
What damages aren’t included?
Insurance companies look at what caused the damages, such as a fire, storm, or a lightning strike. If the damages are as a result of something that isn’t covered, you need to know about it. Many policies will not include floods or earthquakes. Damages that occur as a result of normal wear and tear would also not be covered by a standard home insurance policy.
What is the cost?
The cost of home insurance is going to vary considerably depending on the company, the amount of coverage that you have, and the value of your home. You don’t want to spend any more than necessary. An independent insurance agent should be willing to get quotes from multiple insurance companies so that you have a cost comparison. From there, you can be sure that you are getting the best possible premium on your policy.
Essentially, the questions you ask should ensure that you know what kind of protection you have for your home.
DePaulo Agency offers independent insurance agents who can help you build the right home insurance policy for your home. Our goal is to make sure you find an affordable policy that provides plenty of protection for you in Scotia, NY.