Your insurance agent has a fiduciary duty to use reasonable skill and care in obtaining the best insurance policy for your specific needs.
In the event that they fail to do so, you may be inadequately insured. If this happens, you might have a claim against your insurance agent for the damages sustained to your home due to their errors and omissions.
These types of cases are hard to prove, but it is important to know that you have legal rights if they fail to adequately insure your property.
