Questions to Ask Your Homeowner's Insurance Agent

We all know insurance is important, even though we hope to never use it. Because no one wants to pay $5,000 out of pocket when they could have been paying an extra $2 a month. Enter, the creative insurance agent. Unlike 30-40 years ago, insurance brokers can help you find the best value for money when it comes to your homeowner's policy and covering any investments you may have as well. 

I had the chance to sit down with Brandon Ridder of Goosehead Insurance to talk more about the importance of having a clear understanding of your coverage and what is crucial to know as a first-time homeowner and investor. 

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Some key points he made included:

verify water back up coverage

verify sewer line coverage

ask about roof depreciation

what is your deductible - at 1-2% home replacement value can be a big amount

don't hide short term rental or your claim may get denied 

Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500  Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com

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