Frequently Asked Questions

Start by estimating the cost to rebuild your home from scratch. Then consider the value of your belongings and how much liability protection makes sense for your situation. We can help you through this process.

Most standard home insurance policies do not include flood coverage. If you live in a flood-prone area, you may want to look into a separate flood insurance policy. We can guide you through your options.

Yes. Life changes, and your insurance should change with it. Whether you renovate, buy new items, or move, you can adjust your coverage at any time by reaching out to our team.

Actual cash value pays what your items were worth after depreciation, while replacement cost covers the full price to replace them with new items. Replacement cost coverage typically offers better protection but may cost a bit more.

Several factors influence your premium, including your home's location, age, construction type, coverage amount, deductible choice, and your claims history. Security features and bundling policies can help lower costs.

Coverage can often start the same day you apply, depending on when you complete your application. We process applications quickly so your home is protected without unnecessary delays.

Yes, most home insurance policies provide coverage for personal belongings even when they are outside your home, such as items stolen from your car or luggage lost while traveling. Coverage limits may apply.

First, ensure everyone is safe. Then document the damage with photos and videos, make temporary repairs to prevent further damage, and contact us right away to file a claim. Keep all receipts for emergency repairs.

Standard home insurance provides limited coverage for home office equipment. If you run a business from home, you may need additional coverage to fully protect your equipment and liability exposure.

Most standard home insurance policies do not cover earthquake damage. If you live in an area prone to seismic activity, you will need a separate earthquake insurance policy to protect your home from this type of risk.

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a one thousand dollar deductible and file a claim for five thousand dollars in damage, you pay the first thousand and the insurance covers the remaining four thousand. Higher deductibles usually mean lower premiums.

Yes, many insurance carriers offer discounts when you bundle home insurance with other policies like auto insurance. Bundling can simplify your payments and save you money. Contact us to explore bundling options that fit your needs.

Typically, home insurance does not cover damage caused by pests, rodents, or insects. These issues are considered preventable through regular home maintenance. However, if a sudden covered event causes pest damage, coverage may apply depending on your policy terms.

Claim processing times vary depending on the complexity of the damage and how quickly documentation is provided. Simple claims can be processed within a few days, while more complex claims may take several weeks. We work closely with carriers to help expedite your claim whenever possible.