How to Get the Best Homeowner's Insurance Deal

AAA Mid States

Being a smart shopper isn’t just for buying vegetables and ground beef. When purchasing homeowner’s insurance, AAA suggests you do some homework in advance. That way, you can get the best value for your money.

Insurance can be complicated, and many people don’t want to deal with the details. However, taking the time to look over your policy and asking the right questions may help save you money on your insurance bill.

Homeowners Insurance Questions

If my home is destroyed in a disaster, what will my insurance policy cover? Standard homeowner’s insurance will pay replacement value to help policyholders rebuild their homes. In some areas, policyholders can purchase increased coverage through an optional endorsement.

Will my homeowner's insurance cover all disasters likely to happen in my area? Standard homeowner’s insurance covers disasters such as fire, lightning, theft, vandalism, or damage from smoke, water, or wind.  It does NOT cover damage caused by a flood or an earthquake. Flood and earthquake insurance coverage can be purchased separately.

What are the coverage limits on items like jewelry, art, or other expensive items, if they’re stolen or lost? There are limits on certain types of personal items that normally occur in insurance policies.  Ask your agent to walk through the Special Limits of Liability for Personal Property for the policy they recommend and consider purchasing additional coverage through endorsements if needed.

What is the maximum amount of liability my homeowner's policy will cover, and what is the limit for medical expenses? There is a range of liability limits to suit most needs. Factors you may want to consider are your net worth, the activities you and your family engage in, and the amount of protection you want, should you be pursued in a lawsuit.

Will my possessions be covered if they’re lost or stolen outside of my home? Most policies will cover things like jewelry or other expensive items (up to a certain monetary limit) that are stolen from your car or stolen or lost while traveling. Your policy may also cover your children’s belongings if they live in a dormitory during their college years.

Get the protection you need and the discounts you deserve. Contact your local AAA Insurance Agent for a quote at 1-800-222-1469, go to, or stop by your AAA office.