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Questions to Ask Your Homeowner’s Insurance Agent

March 19, 2021

Brandon Ridder talks about homeowner insurance

We all know insurance is important, even though we hope to never use it. Because no one wants to pay $5,000 out of pocket when they could have been paying an extra $2 a month. Enter, the creative insurance agent. Unlike 30-40 years ago, insurance brokers can help you find the best value for money when it comes to your homeowner's policy and covering any investments you may have as well. 

I had the chance to sit down with Brandon Ridder of Goosehead Insurance to talk more about the importance of having a clear understanding of your coverage and what is crucial to know as a first-time homeowner and investor. 

Some key points he made included:

  • verify water back up coverage
  • verify sewer line coverage
  • ask about roof depreciation
  • what is your deductible - at 1-2% home replacement value can be a big amount
  • don't hide short term rental or your claim may get denied 

Nicole Rueth
The Rueth Team of Fairway Independent Mortgage Corporation
750 W Hampden Avenue, Suite 500 
Englewood, CO 80110

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