Skip to main content
NC DOI logo NC DOI

Topical Navigation

  • Home
  • Consumers
    Consumers
    • Assistance or File a Complaint
    • Auto and Vehicle Insurance
    • Homeowners Insurance
    • Health Insurance
    • Life Insurance
    • Medicare and Seniors' Health Insurance Information Program (SHIIP)
    • In a Disaster
    • Annuities
    • Business Insurance
    • Disability Income Insurance
    • Travel Insurance
    • Coronavirus Information and Updates
    • En Español
  • Assistance/Complaints
  • Insurance Industry
  • Licensees
  • Fraud Control
  • OSFM
  • ABOUT
  • NEWS
  • CONTACT
  • CAREERS
  • NC.GOV
NC DOI »  
Consumers
»  
Homeowners Insurance
»  
Questions to Ask Your Agent

Questions to Ask Your Agent

Annuities

What to Ask Your Agent? 

Below are a few important questions that everyone should ask their agent when purchasing homeowners insurance:

  1. Do I have enough insurance to rebuild my home if it is destroyed?

  2. Do I need flood and earthquake insurance?  What would be the cost?

  3. Does this policy cover water damage, including damage from sewer, drain or sump pump backup?

  1. Do I have enough coverage to replace all of my belongings?

  1. Should I increase my coverage limits over time to cover updates that I make to my home?

  1. Am I eligible for any discounts?

  1. Are there any improvements that I can make to lower my premium?

  1. If something happens, how do I file a claim?

  1. How do deductibles work with my policy?

  1.  Am I protected if someone gets hurt on my property?

  1.  Can I buy extra coverage for liability?

  1. What is excluded in my policy?

Homeowners Insurance

  • Actual Cash Value vs. Replacement Cost Value
  • Basic Homeowner Insurance
  • Consumer Tips
  • Do I need Homeowners Insurance?
  • Dwelling Policies
  • Earthquake Coverage
  • FAQs about Homeowners Insurance
  • Flood Insurance
  • Fortified Homes & Mitigation Credits
  • Loss Prevention and Aftermath
  • Manufactured Homes
  • Optional Coverage
  • Questions to Ask Your Agent
  • Renters
  • Title Insurance
  • Windstorm and Hail

Quick Links

  • Look up an Insurance Company
  • Look up an Insurance Agent
  • Insurance Company Contacts
  • Insurance Company List Search
  • How to file a Complaint
  • Consumer Information from NAIC
  • Download Our Mobile App

Share this page:

  • Facebook
  • Twitter

How can we make this page better for you?

Back to top

Contact Us

North Carolina Department of Insurance

Physical Address:
Albemarle Building
325 N. Salisbury Street
Raleigh NC 27603-5926

Mailing Address:
NC Department of Insurance
1201 Mail Service Center
Raleigh NC 27699-1201

Toll Free 855-408-1212

Agent Services: 919-807-6800

Careers at NCDOI

Recent Tweets

Tweets by @NCInsuranceDept

Follow Us

  • Facebook
  • Twitter
  • YouTube
  • LinkedIn
  • RSS Feed
  • Accessibility
  • TERMS OF USE
  • PRIVACY
  • OPEN BUDGET
NC DOI
https://www.ncdoi.gov/consumers/homeowners-insurance/questions-ask-your-agent