What Are Some Good Questions To Ask When Buying Homeowners Insurance? 
The are several variables to consider when purchasing home insurance . The first step is to determine the Replacement Cost of your home . Replacement Cost is not the purchase price or assessed value but rather the cost to rebuild your home . Next you want to review the other lines of coverage and make sure these limits meet your needs . After this you should ask what optional coverages are available such as Water/Sewer Back up , Ordinance and Law , Personal Injury , Identity Theft , Extended Replacement Cost or Guaranteed Replacement Cost . One policy does not fit all and there can be a big difference in coverages from one company to the next so make sure you take the time necessary to protect your home . 