Clear answers to common questions about home insurance coverage, claims, and policy management. If you need further clarification, our team is always available.
A standard policy typically includes dwelling coverage for your home's structure, personal property protection for your belongings, liability coverage if someone is injured on your property, and additional living expenses if your home becomes temporarily uninhabitable due to a covered event. Each component can be adjusted based on your specific needs and circumstances.
Coverage should reflect the cost to rebuild your home, not its market value. We evaluate factors including square footage, construction materials, local labor costs, and special features. A proper assessment ensures you have sufficient funds to restore your home completely without unexpected gaps in coverage.
Document the damage with photographs immediately and contact us as soon as safely possible. We will assign a claims representative who guides you through each step. This includes arranging inspections, reviewing repair estimates, and ensuring timely payment. Our goal is to restore your situation with minimal stress.
Standard homeowners policies typically exclude flood and earthquake damage. These require separate coverage or endorsements. If you live in an area prone to either hazard, we strongly recommend adding appropriate protection. We can assess your location's risk factors and recommend suitable options.
Annual reviews are advisable, with additional reviews after significant changes. Home renovations, major purchases, or family changes can affect your coverage needs. Regular assessment prevents gaps and ensures your policy keeps pace with your life circumstances.
Several elements affect pricing including your home's age, construction type, location, claims history, and chosen deductible. Safety features like smoke detectors, security systems, and storm shutters may qualify you for discounts. We help identify all applicable reductions.
Most policies extend limited coverage to personal property wherever it travels. If your laptop is stolen during travel or belongings are damaged in storage, you may be covered. Specific limits apply, and high-value items may require scheduled coverage for full protection.
Liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else's property. It covers legal defense costs and settlements. Given potential medical and legal expenses, adequate liability coverage is essential protection for your household.