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Homeowners Insurance » Q & A

• What should I include on my home insurance policy?

• What is “named peril” home insurance?

• I’m thinking about changing my deductible from $500 to $1,000, what effect will that have?

• What does an insurance agent need to provide a home insurance quote?

• My home is only worth $80,000, but my insurance company is requiring me to insure it for $125,000, why?

• Does the type of flooring I have affect the cost of my home insurance?

• What is the difference between Replacement Cost and Actual Cash Value?

• What is a Third Party Loss?

• Is my furniture covered under my “Personal Property” or “Dwelling?”

• Who does “Medical Payments” cover?

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