Finding the Right Homeowners Insurance Policy

Finding the right homeowners insurance policy can provide the coverage needed to ensure you are protected in any situation. With so many options out there, it can be confusing to make sure you invest in the right policy. Along with working with an independent insurance agent, make sure to ask yourself these question to ensure you have the right amount of coverage.

  • What does the policy cover, and what does it not cover? Anticipate any problems that may happen and be sure to ask your insurance agent how much coverage you need to ensure you are protected.
  • How much stuff do I need to protect? Take an inventory of all of your belongings to help you set the necessary limits of your policy. It is also important to take inventory of any expensive items you have, such as jewelry, to make sure you have enough coverage.
  • What is the rebuilding cost of my home? Make sure that you have protection equal or greater than the cost of the rebuilding cost of your home, not the purchase price. The two process differ and you want to make sure that you have enough coverage to rebuild after a disaster.
  • Is the insurance company dependable? Check the state’s insurance department to confirm that the insurance company is licensed. You can also check the company’s reputation with the Better Business Bureau.
  • How can I save? Ask your insurance agent about ways that you can save on your homeowners insurance, such as adding new security to your home or bundling with your auto insurance.

For all of your homeowner’s insurance needs in the Orland Park, Illinois area, contact the insurance professionals at Gee Schussler Insurance Agency. As an independent insurance agency, we can help you find the most comprehensive insurance coverage that will fit all of your needs.