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These Questions Can Help You Secure the Right Coverage

Are you in the market for home insurance? If so, then you’re about to endure the daunting process of finding the right policy. While this isn’t the most enthusing topic to consider, it is important to keep your assets protected. To help you find the right coverage for your needs, be sure to ask these questions about homeowners insurance in Antioch, CA.

What coverage is included? What isn’t? 

Most homeowners have a good grasp on what their home insurance covers – fires, floods, hail, windstorms, theft, vandalism, and more. However, they often think their insurance covers more than it does. That is, they don’t know about the exclusions. Be sure that your agent walks through what is and isn’t covered so that you know when you can file a claim.

What belongings are covered? 

Although most homeowners insurance policies will cover most belongings, if you have items of high value, you may need to secure additional cover. Items such as antiques, sports equipment, art, jewelry, and more may need more coverage to protect their value.

Does the policy cover replacement cost or actual cash value?

Generally, policies that cover replacement costs are better because you will receive funds to replace what was lost. With an actual cash value policy, the insurance company will take into account depreciation of the items you’re filing claims for. This means that you may end up with much less money to help you replace items lost during a covered peril.

Be sure to ask these questions when looking to secure reliable home insurance. The agents at Jack Stone Insurance Agency can help you find the right coverage for your needs. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!

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