Questions to Ask Home Insurance Agent

Questions to Ask Home Insurance Agent

Your home is your sanctuary, your haven. But what if unforeseen events disrupt that tranquility? This is where a reliable home insurance policy steps in, providing a safety net when life throws its curveballs. However, understanding the intricacies of home insurance can be a daunting task. Thankfully, your trusted home insurance agency in Houston is here to help, ready to address all your burning questions.

In this guide, we’ll simplify home insurance, explore crucial questions for your agent, and help secure your home, belongings, and peace of mind.

Do you need homeowners insurance?

What Type of Coverage Do I Need?

The first step in understanding your home insurance needs is determining the type of coverage that suits your circumstances. Your agent can explain the difference between various types of policies, such as HO-3, HO-5, or HO-6, and help you select the one that provides the most comprehensive coverage for your home and belongings.

What Is the Coverage Limit?

Understanding your policy’s coverage limit is crucial. Ask your agent to explain the maximum amount your insurance will pay out in the event of a claim. Ensure that this limit is sufficient to cover the replacement cost of your home and personal possessions.

What Perils Are Covered?

Not all insurance policies cover the same perils or hazards. Discuss with your agent which risks are covered by your policy. Commonly covered perils include fire, theft, vandalism, and certain natural disasters. Be aware of any exclusions or limitations in your policy.

Can I Add Additional Coverage?

Depending on your location and specific needs, you may want to add extra coverage for things like floods, earthquakes, or high-value items such as jewelry and artwork. Ask your agent about available endorsements or riders that can enhance your policy.

What Is My Deductible?

Your deductible is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Understanding your deductible is crucial as it directly impacts your premium. Discuss options for deductibles and how they affect your overall policy costs.

How Can I Lower My Premium?

Your insurance agent can provide valuable insights into potential discounts and ways to lower your premium. Ask about bundling insurance policies, home safety features, and any available discounts for factors like a good credit score or a claims-free history.


In the journey to secure your home, your conversations with a trusted home insurance agent become an invaluable compass. Armed with the knowledge gained from these essential questions, you’re better equipped to navigate the intricacies of home insurance and make informed decisions to protect your sanctuary. At Pelican Insurance Agency, we’re committed to guiding you through this process, providing not just answers but peace of mind.

Our dedicated team is here to assist you in finding the perfect home insurance policy tailored to your unique needs. Don’t hesitate to reach out to us today, and let’s embark on this journey together to safeguard your home, your belongings, and your peace of mind. Your safety and security are our top priorities. Contact Pelican Insurance Agency now, and let’s ensure your home remains the sanctuary it should be.