Frequently Asked Questions

Home insurance typically covers your dwelling, personal property, liability, and additional living expenses. This includes protection against fire, theft, vandalism, and certain natural disasters. Specific coverage varies by policy, so we work with you to customize protection for your needs.

The amount of coverage you need depends on your home's replacement cost, the value of your belongings, and your liability exposure. We recommend coverage that would rebuild your home at current construction costs and replace your personal property. Our experts can help you determine the right coverage levels.

Standard home insurance policies typically do not cover earthquake or flood damage. These require separate policies or endorsements. We offer specialized coverage options for both earthquakes and floods to ensure complete protection based on your location and risk factors.

Replacement cost coverage pays to replace your property with new items of similar quality without deducting for depreciation. Actual cash value coverage pays the replacement cost minus depreciation based on age and condition. We generally recommend replacement cost coverage for both dwelling and personal property.

Standard home insurance provides limited coverage for business property and liability. If you run a business from home, you may need a business policy rider or separate business insurance to ensure adequate protection for equipment, inventory, and liability exposures related to your business operations.

We pride ourselves on fast claims processing. Most claims are reviewed within 24 to 48 hours of submission, and simple claims can be resolved in as little as 3 to 5 business days. For complex claims, we keep you informed throughout the process and work diligently to reach a fair resolution.

You can file a claim online through your account portal, by phone, or through our email. Contact us immediately after a loss occurs. Document the damage with photos, secure your property to prevent further damage, and keep receipts for any emergency repairs or temporary living expenses.

Filing a claim may affect your premium at renewal, depending on the type and severity of the claim. However, this should not deter you from filing legitimate claims. We evaluate each situation individually and consider factors like your claims history, the cause of loss, and the claim amount when determining any premium adjustments.

First, ensure everyone's safety. Then, prevent further damage by taking reasonable protective measures like covering a damaged roof or boarding up broken windows. Document everything with photos and videos. Contact us immediately to report the claim and receive guidance on next steps. Keep all receipts for temporary repairs and additional expenses.

Yes, you have the right to choose your own contractor. While we can recommend trusted contractors from our network, you are free to hire any licensed contractor you prefer. We will work with your chosen contractor to ensure repairs are completed properly and fairly compensated according to your policy terms.

Yes, we offer complimentary insurance quotes with no obligation. Simply provide some basic information about your home and coverage needs, and we will present you with customized options that fit your budget and protection requirements. The quote process is quick, easy, and completely free.

Absolutely! Bundling your home and auto insurance can lead to significant savings, often 15 to 25 percent off your premiums. Plus, managing all your policies in one place makes things simpler and more convenient. Contact us to learn about our multi-policy discounts and start saving today.

We accept various payment methods including automatic bank transfers, credit cards, debit cards, and electronic checks. You can choose to pay annually, semi-annually, quarterly, or monthly. Automatic payment options ensure you never miss a payment and may qualify you for additional discounts.

If you miss a payment, we will send you a reminder notice with a grace period to make the payment before any cancellation occurs. Contact us immediately if you are having difficulty making payments. We may be able to work with you on payment arrangements to keep your coverage active and avoid any lapse in protection.

There are several ways to reduce your premium including increasing your deductible, bundling policies, installing security systems, maintaining a good claims history, and taking advantage of available discounts. We regularly review your policy to ensure you are getting the best rate and can help identify additional savings opportunities.

In most cases, coverage can begin immediately or on your desired start date once your application is approved and payment is received. The approval process typically takes just a few hours to one business day. For urgent situations, we can often provide same-day coverage to ensure your home is protected right away.

Yes, you can cancel your policy at any time. If you cancel mid-term, you will typically receive a prorated refund for the unused portion of your premium, minus any applicable short-rate cancellation fees. We recommend speaking with an agent before canceling to discuss your options and ensure you maintain continuous coverage.

If you are renting out your home, you will need a landlord or rental property policy instead of standard homeowners insurance. This type of policy covers the structure, liability for tenant injuries, and loss of rental income. It does not cover tenant belongings, which tenants should protect with their own renters insurance.

Yes, mortgage lenders require home insurance to protect their investment in your property. The policy must include at least enough dwelling coverage to rebuild the home. Even if you own your home outright, insurance is highly recommended to protect your investment and personal assets from unexpected losses.

Standard policies typically exclude damage from floods, earthquakes, normal wear and tear, maintenance issues, and intentional damage. Coverage for valuable items like jewelry may have limits. Vacant homes and certain dog breeds may also have restrictions. We can help you understand exclusions and add specialized coverage where needed.