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Things to consider and questions to ask your agent: Here are few things to discuss with your agent that will influence your decisions.

1. How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

2. Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

3. What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

4. What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)