01 / PLANNING NOTE
Start with occupancy and use
Explain whether the property is owned, rented, a condo, a rental investment, or a second home. Business activity, paid guests, and vacancies may raise additional questions.
02 / PLANNING NOTE
Review the insured interests
Ask about the building, contents, other structures, liability, and any additional living-expense provision in the actual proposal. Limits and valuation need to be understood.
03 / PLANNING NOTE
Discuss flood and earthquake separately
Standard homeowners policies generally exclude flood and earthquake coverage. Ask which separate policies or endorsements can be considered and how their conditions differ.
04 / PLANNING NOTE
Keep the documents current
Have existing limits and renewal dates available. Check each accepted policy’s effective date and retain confirmation. A quote request does not activate protection.