How does rebuilding differ from selling a home?
Rebuilding cost and sale price are different measures. Ask how the dwelling limit was determined and what assumptions the policy uses when calculating a loss.
For individuals and families
Home insurance
Review protection for your home, belongings, and personal liability with practical questions about the policy.
Start with your needs.
Home insurance can protect the structure, belongings, and certain personal liability risks. Each protection has conditions and limits. Understanding which causes of damage the policy covers is as important as knowing the insured amount: different kinds of damage are not always handled in the same way under a policy.
Prepare for your conversation.
Prepare a general description of the property and think about the belongings you want to protect. Ask how a loss would be calculated, which deductibles apply, and which situations are excluded. An inventory of your belongings can help you organize a more specific conversation about the coverage you need.
Frequently asked questions.
Does the policy cover flooding?
Home insurance generally does not cover flood losses. Ask about that exclusion and the separate coverage that may be needed; do not assume every kind of water damage is treated the same.
What should I ask about my belongings?
Ask about limits for valuable items and how their claim payments are calculated. Clarify which records to keep and whether any belongings need additional protection.
Take the next step.
Talk about your coverage
Tell Safeguard and Associates your state and the coverage category that interests you. Share only general information in the form.
Start a conversationAre you an agent?
Discuss your license, state, and product interests.
Explore product accessLet’s take the next step together