Purchasing Home Owner's Insurance

Can you please explain the different kinds of coverage and what you would recommend?
Based on what I own and where I live should I consider any additional coverage?
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Catastrophes such as earthquakes and floods are excluded from most policies. If these are likely in your area learn about what supplemental policies are available and at what cost. Further, if you have valuable art, jewelry, antiques, etc. you may also need additional coverage for those items.
What is your company’s response time to a new claim?
On average how long does it take your company to settle a claim?
How much do you estimate my policy will cost?
What deductible amount are you including in my policy estimate?
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Savings can be realized by increasing the amount of the deductible.
Do you offer any discounts or rebates?
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Carriers will often offer discounts if they provide both your home and auto coverage.\012Discounts sometime apply for having safety/security items in the home such as smoke detectors, deadbolt locks and alarm systems.\012Rebates are sometimes offered if you go a certain period of time without filing a claim.