Frequently Asked Questions

Standard home insurance coverage typically includes protection for your dwelling structure, personal property, liability coverage for accidents on your property, and additional living expenses if your home becomes uninhabitable. This comprehensive approach ensures you're protected from various risks including fire, theft, vandalism, and certain natural disasters. Our policies also cover detached structures like garages or sheds on your property.

Coverage for natural disasters depends on the specific event and your policy type. Standard policies typically cover wind, hail, and lightning damage. However, floods and earthquakes usually require separate coverage. We offer specialized natural disaster protection add-ons that can be customized to your location and risk factors. Our team can assess your property's specific needs and recommend appropriate coverage.

Yes, personal property coverage is included in our standard policies and protects your belongings such as furniture, electronics, clothing, and appliances. Coverage typically extends to items both inside and outside your home, including items temporarily away from home. High-value items like jewelry, art, or collectibles may have coverage limits and might require additional 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. This coverage helps pay for legal fees, medical expenses, and court judgments. It's essential protection against unexpected accidents that could otherwise result in significant out-of-pocket expenses. Most policies include both bodily injury and property damage liability coverage.

Filing a claim is simple and can be done through multiple channels. You can submit a claim online through your account dashboard, call our claims hotline, or use our mobile app. After filing, a claims adjuster will be assigned to your case and will contact you within 24 hours to discuss next steps. We recommend documenting damage with photos and keeping receipts for any immediate repairs to expedite the process.

Most claims are processed within 48 hours of receiving all necessary documentation. Simple claims may be resolved even faster, while complex cases requiring extensive investigation might take longer. Throughout the process, your dedicated claims adjuster will keep you informed of progress and any additional information needed. We prioritize quick resolution while ensuring thorough and fair assessment of your claim.

First, ensure everyone's safety and contact emergency services if needed. Document all damage with photos or videos before making any repairs. Take reasonable steps to prevent further damage, such as covering holes or boarding up windows. Contact us as soon as possible to report the incident and begin the claims process. Keep all receipts for emergency repairs and temporary accommodations, as these may be reimbursable under your policy.

Yes, our customer support team is available around the clock to assist you with emergencies, claims, and urgent policy questions. You can reach us via phone and email at any time. For non-urgent inquiries, our extended support team is available during business hours. We understand that home emergencies don't follow a schedule, which is why we're always here when you need us.

Your premium is based on several factors including your home's location, age, construction type, square footage, and replacement cost. We also consider your coverage limits, deductible amount, and any optional coverages selected. Additional factors include local crime rates, proximity to fire stations, and your claims history. Our pricing model aims to provide competitive rates while ensuring adequate protection for your specific situation.

Absolutely! We offer highly flexible policies that can be tailored to your specific needs. You can adjust coverage limits, choose your deductible, and add optional coverages such as flood protection, earthquake coverage, or scheduled personal property coverage. Our insurance advisors can help you find the right balance between comprehensive protection and affordability based on your unique circumstances.

Yes, we offer various discounts to help reduce your premium. These include multi-policy discounts if you bundle home and auto insurance, security system discounts, new home discounts, and claims-free discounts. Additional savings may be available for features like smoke detectors, fire sprinklers, or storm shutters. We also offer discounts for paying your annual premium upfront and maintaining a good credit score.

Yes, you can modify your policy at any time. Changes might include adjusting coverage limits, updating your deductible, adding or removing optional coverages, or updating property information. Some changes may result in premium adjustments. Contact our customer service team to discuss any modifications you'd like to make. We'll walk you through the process and explain any impact on your premium.

While home insurance isn't legally required if you own your home outright, it's highly recommended. Your home is likely your most valuable asset, and insurance protects you from significant financial loss due to damage or destruction. Without coverage, you'd be responsible for all repair or replacement costs out of pocket. Insurance also provides liability protection if someone is injured on your property.

Actual cash value pays the depreciated value of your property, factoring in age and wear. Replacement cost coverage pays to replace or repair items with new ones of similar quality without deducting for depreciation. While replacement cost coverage has higher premiums, it provides more comprehensive protection. Most homeowners prefer replacement cost coverage as it better protects their investment and ensures they can fully restore their property after a loss.

We recommend reviewing your policy annually and whenever significant life changes occur. This includes home renovations, acquiring valuable items, changes in local building costs, or updates to your family situation. Regular reviews ensure your coverage keeps pace with your home's current value and your changing needs. Our team can help assess whether your current coverage is adequate or if adjustments are needed.

If you miss a payment, we'll send you a reminder notice with a grace period to make the payment without penalty. If payment isn't received within the grace period, your policy may be subject to cancellation. We understand that circumstances can arise, so we encourage you to contact us immediately if you're having difficulty making a payment. We may be able to arrange a payment plan or discuss options to keep your coverage active.