When you are looking for Michigan home insurance quotes, the main thing to ensure so that you don’t get completely shafted is accuracy. You want to make sure that the quote you receive has been generated using all the right information and having taken the right factors into account. The quotes you receive will directly translate to the premium you will pay when you eventually make a purchase, so you are going to want to ensure that you are prepared. In order to help you get the right Michigan home insurance quotes, here is a quick breakdown of the process including questions that you should be asking potential insurers to get you the right coverage and save some cash.
Question You Need to Ask Insurers
The policy that you are considering should completely cover all of your basic criteria and needs. Once you’ve found a policy that looks promising, you are going to need to dig a little deeper. This is the point where you need to ask the insurer some questions.
Details about coverage
Essentially the coverage that an insurance policy offers is the most important part of the whole thing, so you want to make sure exactly what you are getting, and more importantly what you’re not getting. You need to be asking what losses the policy covers and also what losses are not covered by the policy. It’s also worth inquiring about adding optional coverage. There may be some things that aren’t covered in the basic policy you have chosen and therefore it’s definitely worth inquiring how much the premium would rise if you chose to add this coverage on.
Discounts/ Money Saving
Everyone wants to save as much money as possible, so make sure you give yourself the opportunity to save some cash by asking about discounts. Most times companies will offer a whole range of discounts to new and existing customers. These won’t always be widely advertised though so you will definitely have to do a bit of digging. For example, most insurers will offer a safe driver discount and this can reach up to 20% off your premium so it’s definitely worth an ask. Another thing to ask your insurer about when considering how to save money is deductibles. If you have the financial stability to be able to raise your deductibles then it’s highly likely you will get a discount on your premium.