Frequently Asked Questions
Homeowners Insurance Basics
- What does homeowners insurance cover?
Homeowners insurance coverage can vary from policy to policy. A standard homeowners insurance policy however typically provides coverage for the following... - How much does homeowners insurance cost?
The cost of homeowners insurance can vary tremendously depending on the amount of coverage you purchase, the part of the country you live in and even your credit-based insurance score... - Is homeowners insurance required?
While homeowners insurance may be required by your lender, it is unlike auto insurance in the way that it is not required by state law... - What information do I need for a homeowners insurance quote?
When shopping for homeowners insurance it is best to be prepared with a few important pieces of information so that you can get quick, accurate rates.... - How often should I review my homeowners insurance policy?
There are many life changes that may trigger you to update your homeowners insurance policy.... - What is a home inventory?
A home inventory is a complete breakdown of the contents within your home....
Homeowners Insurance Coverage
- What perils does homeowners insurance cover?
Homeowners insurance covers damages caused to your home by various perils. A peril is often defined as a serious and/or immediate danger that threatens your home.... - What does condo insurance cover?
Condo insurance is a type of insurance policy that provides specific protection for a condo owner.... - What does renter's insurance cover?
Renter's insurance is a type of property insurance for tenants that provides them with protection for their personal belongings inside of a rental property.... - Does my homeowners insurance cover flood damage?
A standard home insurance policy does not cover flood damage, although this is one of the most common misconceptions made by policyholders.... - How much home insurance do I need?
Typically, you should have enough home insurance coverage to adequately protect your home, your personal belongings and your financial well-being in the event of a covered claim. A licensed home insurance agent is your best resource for this estimate, however, typically you will want to have enough dwelling coverage to cover the complete rebuild of your... - Does home insurance cover jewelry?
While a homeowners insurance policy does typically provide coverage for jewelry, this coverage has its limitations.... - Why type of coverage should I have if I own a swimming pool?
If you have a swimming pool on your property you may want to consider increasing your personal liability protection or purchasing an umbrella liability policy as a swimming pool can increase your risk of accidents occurring on your property.... - What is an umbrella liability policy and do I need one?
An umbrella liability policy protects you and your covered family members in the event of a lawsuit.... - What is the difference between cancellation and non-renewal?
Cancellation and non-renewal are two very different ways that a policy can be terminated.... - After I renovate my home, do I need additional home insurance coverage?
After you perform any type of home renovation or upgrade you should always consult with your homeowners insurance agent to make sure you are adequately covered.... - If my household appliances cause water damage does my home insurance cover that?
If your appliance was damaged in a covered peril then the water damage may be covered under your homeowners insurance.... - What's the difference between replacement cost and actual cost value?
Replacement cost and actual cost value refer to the type of replacement that you are eligible for under your home insurance policy.... - What is a home warranty and does it cover the same thing as home insurance?
A home warranty and a home insurance policy are two different policies that offer different coverage for homeowners....
