Ask what type of homeowners insurance policy they are selling. Is it the HO-B, HO-A, or another policy?
If it is an HO-A, ask if any coverage has been added to the base HO-A policy. Verify what they tell you with an independent source (such as the OPIC policy comparison chart )
If it is another policy (i.e. a company’s national policy) ask how it compares to the HO-B or the coverage you currently have.
Again, verify what they tell you with an independent source (such as the OPIC policy comparison chart) and NEVER take “It’s basically the same coverage as you had before” for an answer.
Remember, even with the amendments the HO-A is a named perils policy and does not cover all perils covered under the HO-B or other “All Risk” policies.