Homeowners - there's so much we don't know

As consumers we expect that when we buy an insurance product, it covers all the things we can think of. When we buy house insurance, we expect to be covered for theft and for our houses to be replaced in a fire. What we don't expect is limitations and exclusions, and frankly even on the best policies there are many of them. I just read an article (link below) which talks of exactly this.. we expect and believe we have many protections that we don't and sometimes we think we need some things that we may not (a perfect example is that many people think they need to insure their homes for the market value, when we only need to insure for the cost to build the house). View this article about home insurance and call our team at The Keats Agency. Insurance is not a commodity. If you buy an insurance policy and don't get a agent with it for advise and council then your policy is not complete. Don't be hopefully protected. Be appropriately and cost effectively protected. An agent will make sure you are not over or under-insured!

http://www.insurancejournal.com/news/national/2010/08/24/112704.htm