Frequently Asked Questions

Most home policies protect the structure of your house, your personal belongings inside, and your liability if someone gets injured on your property. They also cover additional living costs if your home becomes unlivable due to a covered event like a fire or major storm.

A good starting point is figuring out how much it would cost to rebuild your home from scratch. Our team helps you calculate that number, then builds a plan around it. We also look at the value of your belongings and suggest a liability limit based on your situation.

Absolutely. Life changes, and your insurance should keep up. Whether you renovate your kitchen, add a pool, or buy expensive equipment, just give us a call and we will update your coverage to reflect the changes.

You can get a free quote in just a few minutes by filling out our online form or calling our team directly. We will ask you a few basic questions about your home and property, then provide you with coverage options tailored to your needs.

Coverage typically starts on the date you choose when finalizing your policy. Many homeowners select their closing date or move-in date. You can also schedule coverage to begin immediately if you need protection right away.

Yes, we offer several discount options including multi-policy bundling, security system installations, new home purchases, and claims-free history. Our team reviews all available discounts when preparing your quote to ensure you get the best possible rate.

Standard home policies usually do not include flood or earthquake coverage. However, we offer separate add-on options for both. If you live in an area prone to either risk, we strongly suggest adding those to your plan for full peace of mind.

Personal property coverage protects your belongings like furniture, electronics, clothing, and appliances. If they are stolen or damaged by a covered event, your policy helps replace them. Most policies cover up to a percentage of your dwelling coverage amount.

Yes, we offer specialized coverage for landlords who rent out their properties. This includes protection for the structure, liability coverage for tenant-related incidents, and loss of rental income if your property becomes uninhabitable.

Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. It covers medical expenses, legal fees, and settlements. We recommend at least one million dollars in coverage for adequate protection.

Yes, sudden and accidental water damage from burst pipes, appliance malfunctions, or plumbing issues is typically covered. However, damage from gradual leaks or lack of maintenance is usually not covered. Regular home maintenance helps prevent issues and ensures claims are honored.

Standard policies have limits on high-value items like jewelry, art, and collectibles. If you own valuable items, we recommend adding a scheduled personal property endorsement to ensure they are fully protected at their appraised value.

Replacement cost pays to replace your damaged property with new items of similar quality. Actual cash value factors in depreciation, paying you what the item was worth at the time of loss. Replacement cost coverage costs more but provides better protection.

We aim to review and respond to every claim within 48 hours of receiving it. For urgent cases, our priority line connects you directly to a senior representative who can fast-track the process and get things moving right away.

First, ensure everyone is safe. Then, document the damage with photos and videos if possible. Contact us immediately to file a claim, and take reasonable steps to prevent further damage like covering broken windows or shutting off water if there is a leak.

It depends on the type and frequency of claims. A single claim from a major event like a fire or storm typically has less impact than multiple smaller claims. We evaluate each situation individually and work to keep your rates fair.

Your deductible is the amount you pay out of pocket before your insurance kicks in. For example, if you have a one thousand dollar deductible and five thousand dollars in damage, you pay one thousand and we cover the remaining four thousand. Higher deductibles typically mean lower premiums.

Yes, you have the right to choose your own contractor. While we can recommend trusted professionals from our network, the final decision is always yours. We work with your chosen contractor to ensure repairs meet quality standards and stay within approved estimates.

Take photos and videos of all damage, keep receipts for emergency repairs, and make a list of damaged or stolen items with their estimated value. If applicable, get a police report for theft or vandalism. Our claims team will guide you through any additional documentation needed.

Once you create an account, you can log in at any time to view your policy documents, payment history, and coverage details. You can also download copies for your records or request them by contacting our support team.

Yes, you can cancel your policy at any time. Depending on when you cancel, you may be eligible for a refund of unused premium. Contact us to discuss your specific situation and we will guide you through the process.

We accept all major credit cards, debit cards, bank transfers, and electronic checks. You can set up automatic payments through your account for added convenience and to ensure your coverage never lapses.

Log in to your account and navigate to the profile settings section where you can update your phone number, email address, and mailing address. You can also contact our support team and they will update your information for you.

We will send you a renewal notice before your policy expires, outlining any changes to coverage or premium. Most policies renew automatically unless you notify us otherwise. This is also a good time to review your coverage and make adjustments if needed.

You can choose to pay your premium monthly, quarterly, semi-annually, or annually. Paying annually often comes with a discount since it reduces administrative costs. You can adjust your payment schedule through your account settings at any time.

Contact us as soon as you know you are moving. We will help you transfer your coverage to your new property or set up a new policy if needed. Keep in mind that coverage amounts may change based on your new home's value and location.