Frequently Asked Questions

A standard home insurance policy typically includes dwelling coverage for your home's structure, personal property coverage for belongings inside your home, liability protection for incidents that occur on your property, and additional living expenses coverage if you need to temporarily relocate due to a covered event.

Coverage limits and specific inclusions vary based on your policy type and selections. Our agents can explain the details of each coverage component during your consultation.

Premium calculations consider multiple factors including your home's location, age, construction type, and replacement cost. Additional factors include your coverage limits, deductible selection, claims history, and any safety features installed in your home.

Properties in areas with lower risk profiles for natural disasters or theft typically have lower premiums. Installing security systems, smoke detectors, and other protective devices may also reduce your costs.

Actual cash value coverage pays the current market value of damaged or stolen items, accounting for depreciation. This means older items may receive lower payouts even if they were functional before the loss.

Replacement cost coverage pays the amount needed to purchase new items of similar kind and quality, without deducting for depreciation. This coverage typically costs more but provides more complete protection for your belongings.

To file a claim, contact our claims department by phone or email with details about the incident. Document the damage with photographs when safe to do so, and gather any relevant receipts or records for damaged items.

A claims specialist will be assigned to your case and will guide you through the documentation requirements and timeline. We aim to process claims efficiently while ensuring thorough evaluation of each situation.

A deductible is the amount you pay out of pocket before your insurance coverage begins. For example, if you have a $1,000 deductible and file a claim for $5,000 in damages, you would pay $1,000 and the insurance would cover $4,000.

Choosing a higher deductible typically results in lower premium payments, while a lower deductible means higher premiums but less out-of-pocket expense when filing claims. Consider your financial situation when selecting your deductible amount.

Standard home insurance policies cover many weather-related events including wind, hail, lightning, and winter storms. However, certain natural disasters like floods and earthquakes typically require separate policies or endorsements.

Coverage specifics depend on your location and policy terms. If you live in an area prone to specific natural hazards, speak with our agents about additional coverage options to ensure comprehensive protection.

Yes, you can adjust your coverage limits during your policy term. We recommend reviewing your coverage annually or after significant changes such as home renovations, major purchases, or changes in property value.

Contact our team to discuss adjustments. Keep in mind that increasing coverage limits will affect your premium, while decreasing limits reduces both your costs and protection level.

Liability coverage protects you financially if someone is injured on your property or if you accidentally cause damage to someone else's property. It covers legal fees, medical expenses, and settlement costs up to your policy limits.

This coverage is essential because injury or damage claims can result in significant financial liability. Most policies include liability coverage, but limits vary. Consider your assets and risk exposure when determining appropriate coverage levels.

The claims timeline depends on the complexity of the claim and the documentation required. Simple claims with clear documentation may be resolved within a few weeks, while more complex situations involving significant damage or investigations may take longer.

Our claims team provides regular updates throughout the process and works to resolve claims as efficiently as possible while ensuring fair evaluation. Prompt submission of requested documentation helps expedite the process.

Before severe weather, secure loose outdoor items, trim trees near your home, and ensure gutters and drains are clear. Review your emergency supplies and confirm your insurance policy documents are accessible.

Document your home's condition and valuable items with photographs or video. After the event, inspect your property carefully and report any damage promptly. Taking preventive measures can reduce damage and demonstrate responsible property maintenance.