Discussion with your Insurance Agent

Better Homeowners

Discussion with your Insurance Agent 

Insurance and homeowners go together like peanut butter and jelly. Lenders require fire insurance at a minimum for homes with a mortgage but many owners opt for a more comprehensive coverage with a homeowner’s policy.

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However, comprehensive doesn’t mean that everything is covered. Filing a claim is not the time to learn that you don’t have the right coverage. Discuss the following issues with your insurance agent to get a better understanding of your policy and whether some adjustments might be in order.

  • Flooding?
  • Rising water? 
  • Mold?
  • Earthquakes?
  • Pools?
  • Termites?
  • Certain kinds of pets or breeds of dogs?
  • Limits on jewelry and cash?
  • Deductible amount?

The whole concept behind buying insurance is to transfer the risk of loss that you cannot afford for an annual premium that you can. Price and coverage need to be considered when comparing policies. Call your agent and make sure you understand what you’re insured for and if there are alternatives available.

Lee Riley
Jann C. Pitcher Real Estate
2261 Eagle Drive
Pagosa Springs, CO 81147
(970) 731-4065
LeeRiley@ISellPagosa.com

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Lee Riley
GRI, CRS
2011 & 2014 Realtor of the Year
Phone (970) 731-4065
Fax (970) 731-4068
Cell (970) 946-3856
Email: LeeRiley@ISellPagosa.com