Frequently Asked Questions

Several factors go into it, including the age and condition of your home, its location, the materials it's built with, and the level of coverage you choose. A higher deductible usually brings down your premium, but it means more out-of-pocket cost if you file a claim.

Absolutely. Life changes, and your coverage should keep up. If you renovate, buy new valuables, or want to adjust your deductible, just get in touch and we'll update your policy to fit your current needs.

Replacement cost covers what it would take to rebuild or replace your property today, while actual cash value accounts for depreciation. Replacement cost policies cost more but provide better protection for your investment.

Most claims are processed within a few days to two weeks, depending on the complexity and documentation required. We prioritize getting you back on your feet as quickly as possible.

Standard policies have limits on high-value items like jewelry, art, and collectibles. If you own items worth more than your policy limits, we recommend adding scheduled personal property coverage for full protection.

Filing a claim can impact your premium at renewal, but it depends on the type and severity of the claim. We evaluate each situation individually and work to keep your rates fair.

Your policy includes Additional Living Expense coverage, which helps pay for temporary housing, meals, and other costs while your home is being repaired. This ensures you maintain your standard of living during repairs.

Basic home office equipment is usually covered under personal property, but if you run a business from home, you may need additional coverage for specialized equipment and business liability.

Yes, many insurance providers offer discounts for monitored security systems, smoke detectors, fire alarms, and sprinkler systems. Let us know what safety features your home has when requesting a quote.

Most standard policies do not cover flood damage. If you live in an area prone to flooding, you'll likely need a separate flood insurance policy. We can help you figure out whether that applies to your situation.

Stay safe first. Once you're out of danger, document the damage with photos and contact us as soon as possible. Avoid making permanent repairs until we've had a chance to assess the situation, but do take steps to prevent further damage.

Yes, most policies include coverage for detached structures on your property such as garages, sheds, and fences. The amount of coverage is usually a percentage of your dwelling coverage, and we can adjust it if you need more.

Liability coverage protects you if someone gets injured on your property or if you accidentally damage someone else's property. It covers medical bills, legal fees, and settlements up to your policy limit.

We specialize exclusively in home insurance. For bundling opportunities with auto or other types of insurance, you may want to explore providers who offer multi-policy packages.

We recommend reviewing your policy annually or whenever you make significant changes to your home, such as renovations, adding valuables, or installing new systems. This ensures your coverage keeps pace with your property's value.

Short-term rental activity may not be covered under a standard homeowner policy. You'll likely need additional coverage or a specialized rental property policy. Contact us before listing your home to ensure you're properly protected.

Most policies do not cover damage from pests, termites, or mold caused by gradual deterioration or lack of maintenance. However, if mold results from a sudden covered event like a burst pipe, it may be covered.

A deductible is the amount you pay out of pocket before your insurance kicks in. For example, with a one-thousand-dollar deductible, you pay the first thousand dollars of a claim, and we cover the rest up to your policy limit.

Before your policy term ends, we'll send you a renewal notice with any changes to your premium or coverage. You can accept the renewal, make changes, or shop for a new policy. Most policies automatically renew if you don't take action.