Frequently Asked Questions

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Home insurance typically covers damage to your home and personal belongings caused by events like fire, theft, vandalism, windstorms, or lightning. It can also provide liability protection if someone is injured on your property. 

Most standard policies don’t cover flooding, earthquakes, or normal wear and tear. You can often purchase separate coverage or endorsements for these risks. 

You should have enough coverage to rebuild your home at today’s construction costs — not just its market value. You’ll also want to make sure your personal property and liability limits fit your needs.

Dwelling coverage protects the structure of your home — including the roof, walls, and built-in appliances — from covered losses. 

Personal property coverage helps pay to repair or replace items like furniture, clothing, and electronics if they’re damaged or stolen. 

Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else’s property. It can also help cover legal fees.

A deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premium, but you’ll pay more if you file a claim. 

While it’s not legally required, it’s still highly recommended. Home insurance protects your biggest investment and provides peace of mind in case of unexpected damage or loss.

Standard policies include limited coverage for high-value items. You may need to add a rider or endorsement for full protection on jewelry, art, or collectibles. 

It depends on the cause. Sudden and accidental leaks (like a burst pipe) are usually covered, while gradual leaks or flood damage are typically not. Flood insurance is sold separately. 

You can often reduce costs by:

• Bundling home and auto insurance
   
• Installing security systems or smoke detectors
   
• Raising your deductible
   
• Maintaining good credit
   
• Avoiding small claims
   

Contact your insurance company as soon as possible after a loss. Provide details, photos, and any documentation to support your claim. An adjuster will review the damage and guide you through the process. 

 Yes — Loss of Use or Additional Living Expenses (ALE) coverage helps pay for temporary housing, food, and other costs while your home is being repaired after a covered loss. 

Absolutely. You can adjust your coverage amounts or add endorsements anytime — especially after renovations, major purchases, or life changes. 

You can request a free quote by calling our team directly at 833-232-9807 to discuss your home, coverage needs, and available discounts.