Here are few things to talk with your insurance agent that will help you choose the right homeowners coverage:

• How much will it cost to rebuild my house and replace my damaged belongings?
• Confirm that the insurance company has a good reputation for customer service and pays claims fairly and promptly.
• Are there any discounts, such as multiple policy, security system, generators, water shut offs and non smokers?
• What’s the process and time frame for filing and settling a claim?