Insurance questions to ask

This is a question that one often think of whenever there is a consideration for getting a home insurance plan for oneself. Try to know what is insurance

Of a truth, if you own a home insurance coverage, then you’ll have no problem in the nearest future as your home insurance policy will take care of them all.

It is important to note that change is constant in life and it will not be certain on the type of protection or coverage to go for, as a result you should look inwards to know the type of coverage you may need.

And by doing so, you should locate an agent to know to steps involved. He or she will explain in detail what you should know.

Insurance questions to ask an agent?

Well, it is very crucial to know the very questions to ask an home insurance agent as they’ll serve as a guide to your payment plan.

Knowing the right question to ask will save you the stress and further help you to decide on the type of coverage to choose from. If you lack knowledge on what you are about to do, you’ll end up making the wrong choice.

Questions to ask when you meet an home insurance agent you’ve selected.

1. Can is save any money on my insurance coverage?

2. I’m a starter in life (student), what type of plan do i need?

3. I was single and now i have a family, what type of coverage do need for my family.

4. I run a small business from home, tell me exactly the coverage i need?

5. Is it necessary to apply for a new coverage if i am doing some changes on my existing house structure?

6. Do i need a legal cover?

7. What is premium and why should i pay for a premium?

Insurance questions to ask an agent?

1. Can i save any money on my insurance coverage?


No matter how cheap your coverage is, you may still run into higher cost if you do not look for ways to lower your insurance coverage.

This maybe tied to the type of company you are dealing with and you should be careful on the one to select when making the decision to grab protection.

Yes you can save money, but it is dependent on the company you are dealing with as their plans determine what and how much you pay. Some companies may bill you lower while others bill you higher.

Also note that the quality of service provided is also involved.


2. I am a starter in life, what plan do i need?

In most cases, a starter may be a student that graduated from school having little or no property or belongings to insure.

Or, a person that left his/her parents apartment and when that happens you are no longer covered by your parents.

In this case what you need is what is called ” Renters Insurance” which will cover your belongings and others.

In a nutshell, Renters insurance are provided by companies to cater for your belongings and many more when you are no longer under the care of your parents.


3. I was single and now i have a family, what type of coverage do i need?

Your current state before and now is not the same as a result you need something bigger than that. What you need is a complete Life Insurance cover to protect you and your family from unexpected occurrence in the family.

There are also other coverage you’ll need to have like Home insurance, Auto insurance, Health insurance etc. Fully Protecting your family.


4. I run a small business from home, tell me exactly the coverage i need?

In course of your customer visiting your home based business, there are risk involved during such visits and you should consider grabbing a coverage for it.

However what you should do is to contact your insurance provider for an endorsement of your business.

If you have a Liability coverage, it may also cover the risk on customer visit to your home based business.


5. Do i need a legal cover?

Liability coverage is the only option you need as it can shield you from any legal related issues that may arise in the future.

Like if a person visits your home and gets injured, you may get sued for it. In such cases, you’ll need a lawyer since it involves a legal case.

Your liability coverage will pay for the cost without forcing money out of your pocket.

Liability coverage is an ideal for everyone out there as it provides a big cover for you in cases of court related problems.


7. What is premium and why should i pay for a premium

Well, as the name sounds, premium means something higher than usual and if you need more options in your current insurance policy, then you should consider a premium plan.

Is it necessary to apply for new policy if i want to make changes to my home?

Actually, some home policies includes home remodeling as a result you’ll only need an adjustment to your plan.


Steps to take before meeting your insurance agent

1. Prepare your mind

2. Know what you want

3. Look for Calculator

4. Buy a diary

5. Go with somebody

6. Search the best agent out there.


          More insurance questions to ask

  1. Does my plan cover mental health outpatient visits? What about substance abuse services? Inpatient mental health services? Psychiatry? ADHD evaluations?
  2. How many sessions can I be seen for in one year?
  3. At what rate will my sessions be covered? Is there a copay and how much is it?
  4. Are psychiatric medications covered under my plan?
  5. Do I have a deductible I have to satisfy?
  6. Is there anything I need to do to have my counseling sessions covered by insurance if I am living out of state?
  7. Do I have to fill out any paperwork or have pre-certification prior to seeing a provider?
  8. Do I have out-of-network coverage?
  9. Can I get a list of providers in my area? Do I need a referral from my primary care physician?
  10. Can I meet with more than one provider for a consultation or second opinion and still have it paid for?
  11. Do I pay the provider or does the insurance company pay them?


Question to Ask when Making an Appointment with a Provider

  1. Does the provider I want to see accept my insurance?
  2. If this provider doesn’t accept my insurance, can they do a single-case agreement in order to see me?
  3. Do I need to pay my copay immediately?


Things to note


  1. Deductible: Money you pay out-of-pocket before you insurance covers your expenses.
  2. Out-of Network: A provider who has no contract agreement with your insurance company.
  3. Pre-Certification: A process of pre-approval from your insurance company to activate your mental health benefits.  This can be done online at your insurance company’s website or by calling them; this is a yearly process. Your insurance company will send you a letter confirming pre-approval or you may be able to print it from the website immediately.  Often times if your company requires pre-certification for mental health services but you do not request pre-certification before your first appointment, you could be responsible for appointment fees.  When you make your first appointment to see a provider, the person scheduling the appointment may ask you for your pre-certification number before you meet with the provider.
  4. Primary Care Physician: Your main medical doctor who you see when you are sick or need a check up.
  5. Provider: A Psychologist, Clinical Social Worker, Licensed Professional Counselor or Psychiatrist.
  6. Single Case Agreement: If your provider is not contracted with your insurance company, they may be able to file a single case agreement with your insurance company.  These are usually filed in special circumstances, e.g. the provider is a specialist, out of state coverage, or limited availability of providers.