When comparing quotes on homeowners insurance, most of the time is usually spent examining coverages, checking limits, reading through conditions and looking up premiums. If you're searching for a new homeowner policy, many of the discussions you have with your insurance agent will be related to these items, and they should be. After all, your policy’s coverages, limits and conditions determine how well you’re protected, and its premiums are how much you pay. These items, however, aren’t all you should ask your Otis insurance agent about when looking for a homeowners policy. Here are two other questions that you ought to ask before selecting a homeowners policy.