A homeowners policy can include protection for the structure, personal belongings and certain liability exposures. The actual policy, endorsements and exclusions determine the coverage.

Before comparing options, ask how rebuilding costs were considered, which deductibles apply and which losses are excluded. Keep questions separate from assumptions about what a policy pays.

Bring these questions.

  • Which deductibles apply to different kinds of loss?
  • What exclusions or separate coverages should I discuss?
  • How are rebuilding costs and belongings evaluated?