Key Options to Request When Buying Home and Auto Insurance

When shopping for home and auto insurance, request coverage limits that reflect the true replacement cost of your home and the full market value of your vehicle, plus optional endorsements such as personal property replacement, liability umbrella, and roadside assistance.

Core Coverage Elements

For homeowners, ask for dwelling coverage that matches reconstruction costs, personal property protection that covers belongings at replacement cost, and liability limits that safeguard against lawsuits. For auto policies, ensure bodily injury and property damage liability meet state minimums and consider higher limits for better protection.

Optional Add‑Ons and Endorsements

Homeowners can add flood, earthquake, or sewer backup coverage if they live in risk‑prone areas. An endorsement for personal belongings away from home (e.g., travel items) expands protection. Auto drivers may request uninsured/underinsured motorist coverage, rental car reimbursement, and comprehensive coverage for theft or natural damage.

Discounts and Savings

Ask about bundling discounts for holding both policies with the same insurer, safe‑driver or claim‑free incentives, and home security or vehicle safety‑device credits that can lower premiums.

Policy Flexibility

Inquire whether the insurer offers a deductible waiver for certain claims, flexible payment schedules, and the ability to adjust coverage limits annually without penalty.

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