What should i ask insurance agents when i am shopping for homeowners insurance?

Question

We are trying to buy homeowners insurance b4 hurricane season...we live in fl. but i wanted to know the right answers to ask the agents when i am shopping for quotes. Is there any? what are the basic questions? i want to make sure i'm covered for all the right stuff and i get what i want and need. thanks for all of your help!

Answer 1

In FL, it's "will you write me" and "who are you going to quote me with".

You want an A RATED CARRIER, with someone like AM Best.  There are a buncha new, unrated carriers cropping up, like Cypress, but since they aren't rated at all, you don't even know if they'll be in business the day after a major hurricane.  

For the most part, a good agent will ask YOU lots of questions, to be sure that you're insured propertly.

I know a GREAT insurance agent in FL - www.huttinsurance.com   I'm not affiliated, but I've brokered stuff through them, and they do a bang up job.

Answer 2

eventhough its hard to give an accurate quote because of all the different policies and they usually run your social security number to give you the correct price BUT i found these 2 sites where you can compare insurance at http://www.COMPAREusINSURANCE.com and http://www.COMPAREeQUOTES.com that give out the best comparisons for auto insurance, i hope that helps.

Answer 3

wind damage

water damage

flood damage

water flood due to hurricane

not sure of any others but sure there are more; wind damage and water damage are two areas you really need to consider because this agencies are use both to omit one and blame the other for not covering you.

Oh yea, ask about current price of items or on passed cost for the item--this will leave you with less money since your items are old so try for current value to replace the item today.  

best but ask anything these guys seem like friends but they are out to make money and not really care about insurance holders.