What are the coverage limits for different components of my home?
- Do they cover major appliances, plumbing, electrical systems, and other essential items?
- Are there any exclusions or limitations on these components? What's covered and what's not?
- Are there any additional costs for extended coverage or equipment repairs?
What is the warranty period, and are there any gaps in coverage if I'm not home during a covered incident?
This question ensures you understand the duration of the warranty and what happens if you're away from your property.
How do they handle claims, and are there any fees for filing or processing a claim?
- What is their customer service policy, and how will you be contacted if you need assistance?
- Are there any additional fees for services like appliance installation or equipment repair?
- Can I file a claim online, by phone, or in person?
What kind of support and resources do they offer to help me with repairs and maintenance?
This question ensures you understand the level of assistance available if you need it.
Are there any discounts or promotions available for new customers, existing policyholders, or special groups (e.g., seniors or military personnel)?
- What kind of discounts can I expect to see?
- Are there any additional perks like free home security systems or emergency assistance services?
- Do they offer a customer retention program to reward loyalty and retention?
What kind of coverage does it include for major system failures (e.g., HVAC, plumbing, or electrical systems)?
This question ensures you understand the level of protection offered for critical components.
Can I customize my coverage to fit my specific needs and budget?
- Do they offer tiered or package plans with varying levels of coverage and cost?
- Can I add-on services like appliance protection, home security systems, or maintenance contracts?
- Are there any requirements for policyholders to pay an annual premium or minimum term?