Questions to ask when buying home insurance for the first time

Everyone has their own version of how their home should run. The same applies to buying home insurance in Flushing, MI.  While it may not be all fun as choosing the furniture and paint colors, your home depends on your home insurance for protection. It is a financial safety net that offers you the peace of mind you need in the event of a disaster. That’s why you need to know everything about your policy before buying it. Bachmann Insurance Agency recommends asking critical questions regarding your coverages, limits and other insurance regulations. Here are a few examples.

How much would it cost to rebuild my home in the event of a total loss?

Like the house value, the cost to rebuild varies from one house to another, and it changes with time. Your home insurance should cover the cost to rebuild in the event of a total loss. Your insurance provider should assess your neighborhood to know the cost of labor and construction materials.

What happens if someone gets injured in my home?

Many people don’t understand how the liability coverages in their home insurance policies work. They end up spending money on medical bills for guests or friends who get injured in their homes. Your home insurance covers every visitor who visits your home. In case of a slip and fall, you can call your insurance company for reimbursement.

What happens when I file an insurance claim?

When you file a home insurance claim, a series of events will follow depending on the details surrounding your loss. You can expect to receive some forms that you should fill as soon as you receive them and welcome an insurance adjuster to assess the damage.

Not sure where to buy home insurance in Flushing, MI?  Bachmann Insurance Agency has you covered. We provide you with all the details you need to make informed decisions when buying home insurance. Feel free to reach out.