Your first time buying insurance can be a little stressful if you are not sure what to expect. With so many options and policies to choose from, it can be hard to know where to start. To help you make the right decisions for your needs, here are five must-ask questions you should ask your agent when buying insurance:

1. What coverage options do you offer?

When buying insurance, you need to ensure that the type of policy you are looking for is offered by the company. At Rockingham Insurance, we offer a variety of policies like homeowners’ insurance, rental property insurance, auto insurance, farm insurance, and umbrella insurance. Your local agent can walk you through each policy and help you determine which options are right for you.

2. How much coverage do I need? 

The amount of coverage you need varies from person to person. You want to avoid being underinsured, so that you are protected if an unfortunate event occurs- but you also want to avoid being overinsured, so that you are not wasting money. Fortunately, our agents have years of experience and will help you get just the right amount of personalized coverage to suit your specific needs. To determine the perfect amount, they will consider the type of policies you are looking for, the value of all your assets, and the risks that are common in your area. They will also help you comply with any minimum coverage requirements for insurance, as dictated by your state or locality.

3. Are there discounts available?

Your agent can tell you about our discounts and credits, such as our paperless billing or multi-policy discounts, and how you can qualify for them. 

4. What is my deductible?

Your deductible is the amount you must pay, out of pocket, before your insurance coverage kicks in. It is important to understand what your deductible is, what you’re comfortable with it being, and how it will impact your premiums. We can help you determine what deductible is right for you.

5. How do I file a claim?

You should know how to file a claim before an unfortunate event arises. At Rockingham Insurance, we make it easy to file a claim either online or by phone (800) 662-5246.

Buying insurance can be a daunting task, but asking the right questions can help you make an informed decision. At Rockingham Insurance, our trusted local agents are here to help you every step of the way. Reach out to us today to learn more about coverage options and how we can help protect you and your family.