Here at The Shay Agency in Wilkes-Barre, PA, we want to help all potential customers get the right insurance for their situation. Asking the right questions helps to ensure that the policy you buy fully covers your needs.
Here are three important questions to ask when you are looking to buy a new home insurance policy.
How Much Coverage Do I Need
When you are looking to purchase a new home insurance policy, always ask an agent how much coverage you need. One of the biggest mistakes you can make is thinking you need to purchase a policy based on the value of your home. This may or may not be enough coverage. An insurance agent can sit down with you and determine how much coverage you need.
What is Covered By the Insurance Policy?
Another key question to ask is what is covered by the insurance policy. Different policies offer different coverage. Always ask what is covered by the policy to help to ensure that everything within your home is covered in the event of various incidents.
What Supplemental Policies Do You Recommend I Buy?
Lastly, be sure to ask an insurance agent what supplemental insurance policies they recommend you purchase when buying home insurance. Supplemental policies may include policies such as flood insurance. Flooding is not covered under a home insurance policy, so a supplemental policy is a must to ensure you are properly protected. An agent can help you determine what supplemental policies you need.
If you are looking to purchase a new home insurance policy, The Shay Agency in Wilkes-Barre, PA would love to assist you. Contact us today to get a free estimate or try our online rating tool for a quote.
At The Shay Agency, finding the right insurance product is only the beginning of what we offer our clients every day.
Insurance offered to Wilkes-Barre, PA homeowners provides both peace-of-mind and financial security. Insurance, sophisticated financial/managerial tools, spreads risk and costs from one to the many. A litany of issues impacts how insurance underwriters and insurance actuaries determine the type and the price of products offered at the consumer level.
Climate change has had a dramatic impact on the insurance industry during the past century. Unexpected shifts in the scale or location of severe weather events are among the most pertinent issues affecting the delicate balance of the current insurance system. Curiously though, some insurers expressed concern about climate change more than three decades ago.
What can a homeowner do to protect themselves and their property against weather disaster?
Homeowners must reach out to the experts to determine which supplemental policies might be needed to increase coverage, for example, home insurance. Those homeowners who already have supplemental policies should consider modifying the coverage amounts. With random weather events occurring, such as unpredictable earthquakes, tornadoes, and hurricanes, it is important to make sure you have the coverage that will sufficiently provide replacement protection for your home and belongings.
The insurance agents at The Shay Agency serving the Wilkes-Barre, PA area are ready to discuss solutions to meet coverage options in the face of weather disaster. At The Shay Agency, we proudly deliver excellent customer service and work with cutting-edge tools to provide you with quality insurance. Our well-trained and well-versed staff can expertly meet your changing insurance needs.
Give us a call at (570) 704-0074.