PERSONAL INSURANCE / HOME
For the place
you come home to.
Your home is more than an address. Look at the building, your belongings and the liability questions that come with everyday life.
Discuss My HomePractical guidance from Rick Lewelling.
Good coverage
starts with
good questions.
- 01What would it cost to rebuild?
- 02What belongings need a closer look?
- 03Which deductible can you manage?
Understand the pieces
A policy has more
than one part.
These are general coverage categories to discuss. Your actual coverage depends on the policy, limits, deductibles and exclusions.
Your home & other structures
Dwelling coverage generally helps repair covered damage to the home. Separate limits may apply to a detached garage, fence or other structures.
Your belongings
Personal property coverage addresses belongings after covered losses. Ask about replacement cost, special item limits and deductibles.
Personal liability
Liability coverage can respond to certain injury or property-damage claims against you. Limits and exclusions matter.
Living expenses
Loss-of-use coverage may help with additional living costs when a covered loss makes your home uninhabitable. Time and dollar limits may apply.
Make the conversation count
Your home.
Your specific details.
Have your current policy available if you have one. Rick can talk through the details and questions to consider for your next quote.
- Rebuilding cost versus market value
- Roof age, condition and settlement terms
- Flood and other policy exclusions
- Valuable items and home-based activities
Think about your household
Home is one part
of the picture.
Discuss home, auto and personal umbrella together. Ask about available bundling opportunities and how the policies fit your needs. Eligibility and savings vary.
Useful questions
A little more clarity.
Is flood damage part of homeowners insurance?
Standard homeowners policies generally exclude flood damage. Ask about separate flood coverage and any other exclusions that may affect your property.
Is the market value of my home the right insurance amount?
Rebuilding cost and market value are different. Discuss an estimate of what it would cost to rebuild, along with the policy’s settlement terms.
Can I combine home and auto insurance?
Ask Rick whether placing home and auto with the same carrier is available and appropriate. Eligibility, pricing and any discounts vary; savings are not guaranteed.
A good place to start
Tell Rick what you have.
Talk through what you need.
Clear questions. A practical conversation. Your next step.