Here are 5 of the most important questions to ask your insurance provider, in Manor PA & Glendale Arizona. These questions help ensure you truly understand your coverage, your financial responsibility, and any limitations. You can also contact OHL Insurance and Financial Services for any additional questions.
What exactly does my policy cover—and NOT cover? Many people assume they’re covered for situations that are actually excluded. Ask for a clear explanation of coverage, what if any list of exclusions and if possible, any real-life examples of when claims would be denied
What will my out-of-pocket costs be? After understanding your coverage, what will your costs be.
Ask about:
- Premiums
- Deductibles
- Copays/coinsurance
- Maximum out-of-pocket limits
- How rate increases work
How are claims filed and how long do they take to process? This tells you what to expect if you ever need to use the insurance.
- Steps to file a claim
- Required documents
- Average processing time
- Who contacts you about decisions or follow-up
Are there discounts or bundles that can reduce my cost? Insurance companies often have discounts for bundling.
- Multi-policy discounts (auto + home)
- Good driver/student
- Safety/home security device discounts
- Wellness programs (health insurance)
How will this policy change as my needs change? The agents at OHL Insurance and Financial Services understand insurance needs change over the years.
- How coverage adjusts if you move, buy a home, or expand your family
- Options to upgrade or customize coverage
- Penalties or requirements for making changes
Any other questions you may have about your insurance needs in Manor PA & Glendale Arizona , just give OHL Insurance and Financial Services a call.