Find answers to common questions about home insurance coverage, policy terms, claims procedures, and more.
A typical policy covers your dwelling structure, detached structures like garages, personal belongings inside the home, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event. Specific coverage limits and terms vary by policy.
Several factors influence your premium including the age and construction type of your home, its location, safety features installed, claims history, and the coverage limits and deductible you select. Geographic risk factors such as proximity to fire stations also play a role.
Standard policies generally cover wind, hail, and lightning damage. However, flooding and earthquake damage typically require separate endorsements or policies. We can help determine what additional coverage might benefit your specific situation based on your location.
Document the damage thoroughly with photographs, prevent further loss if safely possible, contact us promptly to initiate the claim, and keep records of any temporary repairs or expenses incurred. An adjuster will assess the situation and guide you through the process from start to resolution.
Yes, policies can be modified to reflect changes in your circumstances. Whether you complete renovations, acquire valuable items, or want to adjust your deductible, reach out and we will update your coverage accordingly. Regular policy reviews are recommended.
Replacement cost coverage pays to replace damaged items with new ones of similar quality without deducting for depreciation. Actual cash value coverage factors in depreciation, paying what the item was worth at the time of loss. Replacement cost typically results in higher premiums but provides more comprehensive protection.
Coverage depends on the source of water damage. Sudden and accidental events like burst pipes are typically covered, while gradual leaks or flooding from external sources usually require separate flood insurance. Reviewing your specific policy documents clarifies which water-related events are included.
We recommend reviewing your policy annually or when significant life changes occur, such as home renovations, major purchases, marriage, or changes in household composition. Regular reviews ensure your coverage remains adequate as property values and personal circumstances evolve.
Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. It typically covers medical expenses, legal fees, and court-awarded damages up to your policy limits. This protection extends to incidents both on and off your property in many cases.
Standard policies have sub-limits for certain high-value items like jewelry, art, collectibles, and electronics. For full protection of expensive possessions, additional scheduled personal property coverage or riders may be necessary. We can help you identify items that might benefit from supplemental coverage.