home insurance education

Home Insurance Questions to Ask Before You Buy or Renew

Home insurance questions about replacement cost, deductibles, bundling, claims history, and coverage fit. This guide is general information, not a policy offer or coverage guarantee.

Ask about replacement cost

The amount needed to rebuild can be different from the market value or mortgage balance. Ask how dwelling coverage is being estimated.

Review deductibles

Wind, hail, hurricane, or other deductibles may work differently by state and carrier. Make sure you understand what you would pay after a claim.

Consider bundling carefully

Bundling home and auto may help some shoppers, but it is still worth reviewing coverage fit and carrier availability.

Use a licensed agent

A licensed HIA representative can help review the details before you make a final coverage decision.