Home ownership is a truly unique combination of excitement and responsibility. While your home is a major sense of pride and also a great place to feel totally comfortable, it also comes attached to a wide array of responsibilities that you need to be prepared to take on. Perhaps chief among these is verifying that you have all the coverage you need if disaster strikes.

Below, you'll find a guide to a few questions you should be sure to ask your home insurance agent about your coverage. Having these answers should help give you peace of mind, but should also put you in a position to act quickly and decisively if the time ever comes to seek out what your coverage has to offer.

Ask About Flood Protection

Flooding can be a serious risk, even in areas where it may not be readily apparent. A flood can destroy property and threaten the structural integrity of your home, and private flood insurance is relatively rare. This can leave you reliant on a government program in order to restore your home to its former glory.

Make sure that you ask your insurance agent about the flood protection that comes with your home insurance and the ways you can act to supplement it. Your agent will also be able to walk you through the history of flooding in your area to provide you with the peace of mind you need for home stability.

Ask About Personal Property Limits

While most home insurance policies are designed to provide full structural rehabilitation in the event of a disaster, the same relief may not be afforded to possessions. You may have a cap on your available personal property reimbursement that could eventually be problematic.

Understanding that limit and how far you may be over it can allow you to determine whether supplementary coverage is necessary. It might also be the encouragement you need to take the responsible step of storing some belongings in a more secure storage facility.

Ask About Bundling Discounts

It's unlikely that home insurance is the only insurance product you benefit from. Many home owners also own cars or have life insurance policies which may all be able to be serviced by the same agent. In many cases, you can receive a substantial discount by choosing to bundle those coverages together. Asking your agent about ways to cut costs will go a long way toward developing a productive relationship well into the future.