3 Things People Forget to Ask Their Insurance Agent (But Shouldn’t)

When most people shop for insurance, they ask the basics: How much does it cost? What’s my coverage limit? Great starting points—but there’s more to the story.

The questions people often overlook are the ones that make the biggest difference when life throws the unexpected your way. That’s why it pays to dig a little deeper with your agent. After all, insurance should bring peace of mind—not question marks.

At Schaub Insurance Agency, we’ve seen how much smoother claims and coverage choices can be when clients ask the right questions. Here are three that are often forgotten but worth asking.

1. What situations aren’t included in this policy that might apply to me?

It’s not about finding “traps”—it’s about understanding your protection clearly so there are no surprises later. Policies are designed to cover specific types of scenarios, and one scenario may be covered on one kind of policy, but excluded on another.

• Home insurance example: Standard homeowners policies typically cover fire, theft, and certain water damage. But things like floods or earthquakes often require separate policies.
  
  
• Auto insurance example: Liability covers damage you cause to others, but you’ll want comprehensive or collision to cover your own car.
  
  
• Business insurance example: General liability protects against slip-and-fall claims, but not if that slip and fall was from an employee. That’s covered under work comp, and excluded on general liability policies. 

Asking this question helps you feel confident that your coverage matches your real-world risks.

2. How much would I pay out of pocket if I file a claim?

Knowing your deductible and coverage limits is like knowing the rules of the game—it helps you prepare, not guess.

• Deductibles: A higher deductible usually means lower premiums. That’s fine if you can comfortably cover it, but it’s worth double-checking whether that number fits your budget in the event of a claim. Be sure to quote various deductibles, because sometimes the jump in deductible may not be worth the premium difference.
  
  
• Coverage limits: If your policy covers $250,000 but the rebuild cost of your home is $400,000, you’ll want to adjust so you’re not left covering the difference.

A good agent can walk you through everyday scenarios—like a kitchen fire or fender bender—so you know exactly how the coverage plays out in real life. No mysteries, just clarity.

3. Are there discounts I might be missing?

This one is easy to forget but can pay off in a big way.

• Home insurance: Bundling home and auto, installing a security system or water leak detection system, or even upgrading your roof can save you money.
  
  
• Auto insurance: Safe driver discounts, multi-car policies, and low-mileage plans are common. Some companies even reward good students or careful driving habits with additional savings.
  
  
• Business insurance: Packaging policies—like liability, property, and workers’ comp—can often reduce costs.

Discounts vary by insurer, but that’s where an independent agency shines: we shop around for you to make sure you’re getting the best value for your coverage.

Final Thoughts

Insurance is more than paperwork—it’s peace of mind. And peace of mind comes from asking the right questions up front:

• What’s included—and what’s not?
• How much would I really pay in a claim?
• Am I getting the savings I deserve?

At Schaub Insurance Agency, we’re here to help you feel confident, covered, and maybe even crack a smile while we talk about it. Because insurance may be serious, but the process doesn’t have to be stressful. We are more than an online portal, or 1-800 call center. We get to know our clients, their families, and their businesses, so we can provide the level of service that may be missing from some insurtech companies.

👉 Ready for answers that make insurance simple? Contact Schaub Insurance Agency for expert guidance. We can help you assess your coverage, make necessary updates, and ensure your home and legacy are fully protected. Schedule an appointment today at: https://www.schaubinsurance.com/customer-service

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