Getting homeowners insurance can be a challenging process. But that’s okay, because your DSI Agent will guide you through the purchasing experience. At DSI, we take the time to get to know you, your family and your goals. We have your best interests in mind when determining your insurance vulnerabilities.
today. Your DSI Agent will shop around and get you the best homeowners coverage to fit your needs, budget and lifestyle.
DSI Answers Your Home Insurance Questions
Does my homeowners policy adequately cover my personal belongings?
Make sure your homeowners policy provides “replacement cost” coverage for your belongings. Otherwise, your policy will only cover the depreciated or garage sale value of your belongings. Specialty coverage may be needed for high-value items such as jewelry, watches, furs, china and art work.
What is the difference between Individual Life and Mortgage Protection Insurance?
DSI recommends Individual Life Insurance. The proceeds can be used for any purpose your beneficiaries choose. Your designated beneficiaries decide how best to spend the proceeds including paying off the mortgage or creating college funds.With Mortgage Protection Insurance, your lender is the only beneficiary. Your family has no access to the money and are not involved in the decision on how best to use the funds.
Do I need a flood insurance policy? Isn't that covered by standard homeowners insurance?
In 2017 during Hurricane Irma, only 14% of the 3.3 million households in the nine Florida counties affected by the disaster had flood insurance coverage, according to data from Pew Charitable Trusts. Just a few inches of water can cause thousands of dollars in property damage. But flood damages are typically not covered under your standard homeowners insurance policy even though about 25% of all flood claims come from low-risk flood areas.
Thank you for your interest in Darr Schackow Insurance
. Questions? Contact us
or call (888) 337-9322