I always consider these following questions when I secure a personal property insurance for me to lead through the right step of getting such an insurance. Here are some of what I have prepared:
1. Do I need to have a homeowners policy in force of all dwellings?
2. If no, do I have another method of insuring my residence(s)?
3. Is the dwelling coverage adequate to replace each dwelling at its current value?
4. Is the proper form of insurance in place to cover all dwelling, vacation homes and rental property?
5. Does the policy contain an inflation-adjustment rider?
6. Has the dwelling coverage been reviewed by an insurance professional within the last year?
7. Are there any policy exclusions that may prove detrimental to the client?
8. Is the personal property coverage adequate for the value of the client's personal assets?
9. Does the policy provide replacement value coverage?
10. Are items of special value itemized under a personal property endorsement or personal articles flutter?
11. Is the liability coverage large enough to quality for an additional umbrella liability policy?
1. Do I need to have a homeowners policy in force of all dwellings?
2. If no, do I have another method of insuring my residence(s)?
3. Is the dwelling coverage adequate to replace each dwelling at its current value?
4. Is the proper form of insurance in place to cover all dwelling, vacation homes and rental property?
5. Does the policy contain an inflation-adjustment rider?
6. Has the dwelling coverage been reviewed by an insurance professional within the last year?
7. Are there any policy exclusions that may prove detrimental to the client?
8. Is the personal property coverage adequate for the value of the client's personal assets?
9. Does the policy provide replacement value coverage?
10. Are items of special value itemized under a personal property endorsement or personal articles flutter?
11. Is the liability coverage large enough to quality for an additional umbrella liability policy?
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