Ask about discounts.  Many people buying their first home don't know that they get a discount on their auto policy if they are homeowners and insure both at the same company.  Ask about coverages.  Specifically your personal property.  Make sure you are covered to buy the same item today, not the depreciated value of the item.  It will cost you $2000 to buy a sofa, it would stink if the insurance gave you only $500 to buy a new one since that is what your old one was "worth" before your loss.  Homeowners is not expensive for the protection, get the protection. 

Jon Sigler, HomePro Financial, LLC - 860-656-6018

Hi Jo,

 You're making some good points with this post. I'm guilty a little on this one myself. I sort of inherited my agent when my prior one retired. The office staff know me when I call, yet the agent does not. Truthfully I'm not one bit impressed with my agent, however his back-up is great. BTW, I changed my deductibles about 2 years ago, it was pretty amazing the reduction in the cost of the policy.

Jon, Yep you got that all right!!! I was always amazed when I worked in escrow how many people just gave me the go ahead with the company we used.

Lynda, In this day and age I am amazed at how many "agents" don't know who their clients are - they let their staff handle it all. I just don't work like that and I expect people I do business with to work like I do :)