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Six Important Questions Homeowners Should Ask Their Insurance Agent

insurance agentPurchasing a house is one of the biggest financial commitments you will ever make. Homeowners insurance is one important part of the process. It’s imperative that you’re protected from loss, but you may be a little unclear what’s involved and what options are available to you. That’s where an insurance agent can help. Your agent can help you understand how much coverage you need and what type of policy is best for you.

As you get started on your home buying adventure, here are six questions you should consider asking your agent. While not all six questions may pertain to your situation, the answers your agent gives will help determine the best home insurance policy for you:

  1. How much would it cost to rebuild my home in its current condition and location if it were a total loss?
  2. Are rates affected by the type of construction on my home?
  3. How much would I need to replace personal belongings if they were destroyed?
  4. What discounts are available? What other ways can I reduce my premium?
  5. And for those of you who have dogs. . . I have a dog whose breed is considered ‘vicious’. Am I able to obtain coverage for dog bites? Access Home Insurance provides insurance coverage for breeds classified as ‘vicious’, including Pit Bulls, Dobermans, and Rottweiler’s. Policies exclude animal liability however, allowing policyholders to secure homeowners insurance coverage and keep their pet.
  6. And in this very fortunate case . . . I have a home with a pool and a diving board. Can I get coverage? Homes having diving boards are eligible for coverage from Access Home Insurance. However, liability coverage associated with the diving board is excluded.

In addition, buying a home in a coastal state can provide another set of challenges. Depending upon where you home is located, you may need to purchase flood insurance for added peace of mind. Access Home Insurance also offers flood insurance. Your agent can provide you with details on this product as well.

If you don’t already have an agent visit us at to locate an Access Home Insurance agent near you.