The National Association of Insurance Commissioners offers a wealth of information to insurance Insure U. When shopping for homeowners, here are some questions NAIC suggests you ask your agent:
• are the agent and the insurance company recognized by my state insurance department? For how long? (Your insurance department status can confirm the answers to these questions.)
• How do I find the claims history of the house before buying it?
• If I apply, how will it affect my bonus when I renew the policy?
• What discounts are available?
• What is the coverage of the policy? What must not cover? What are the limits blankets?
• How much coverage for my personal property do I need?
• Should I buy insurance against flood or earthquake coverage?
• How will my credit history will affect my premium?
more to the rapid consumer guide to home insurance (PDF)
The questions you should ask questions about homeowners insurance
The questions you should ask questions about homeowners insurance -
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