Find Answers to Your Questions

Standard home insurance typically covers dwelling protection (the structure of your home), personal property (belongings inside), liability coverage (if someone is injured on your property), and additional living expenses (if you need temporary housing during repairs). Coverage limits and specifics vary by policy.

No, flood damage requires separate flood insurance coverage. Standard home insurance policies typically exclude flooding from natural events like heavy rain, storm surge, or overflowing bodies of water. We can help you add flood insurance to your policy for comprehensive protection.

Personal property coverage typically includes furniture, electronics, clothing, appliances, and other belongings inside your home. High-value items like jewelry, art, or collectibles may have coverage limits and might require additional scheduled coverage for full protection.

We recommend filing a claim as soon as possible after discovering damage. Document the damage with photos and videos, take steps to prevent further damage (like covering broken windows), and contact our claims team immediately. Quick reporting helps expedite the assessment and approval process.

You'll need your policy number, date and time of the incident, description of what happened, photos or videos of the damage, contact information for any witnesses, and receipts or documentation for damaged items if available. Our claims team will guide you through the process step by step.

The timeline varies depending on the complexity of the claim. Simple claims may be resolved within a few days, while more complex cases involving extensive damage or investigation may take several weeks. We strive to process all claims efficiently and keep you informed throughout the process.

We offer flexible payment options including monthly, quarterly, semi-annual, or annual payments. You can pay via automatic bank transfer, credit/debit card, check, or online through our customer portal. Setting up automatic payments can also help you avoid missed payments.

Yes, you can adjust your payment schedule at any time by contacting our customer service team. Keep in mind that some payment frequencies may have different fees or processing requirements. We'll help you find the payment plan that works best for your budget.

If you miss a payment, you'll typically have a grace period to make the payment before your coverage is affected. We'll send reminder notices before taking any action. Contact us immediately if you're having trouble making a payment so we can discuss your options and help maintain your coverage.

Yes, you can adjust your coverage limits at any time. Whether you've completed renovations, acquired valuable items, or want to increase your protection, our team can update your policy to reflect your current needs. Changes may affect your premium amount.

Several factors influence your premium including your home's location, age, construction materials, square footage, claims history, security features, deductible amount, and coverage limits. We work with you to balance comprehensive protection with affordable rates.

You can cancel or make changes to your policy by contacting our customer service team. Provide written notice of cancellation at least 30 days in advance if possible. Depending on your policy terms and when you cancel, you may receive a prorated refund for unused premium.

We offer various discounts including multi-policy bundling, claims-free history, security system installation, new home construction, fire/smoke detectors, storm shutters, and senior citizen discounts. Ask our team about all available discounts to maximize your savings.

We offer several home insurance discounts including security system discounts, smoke detector discounts, multi-property discounts for insuring multiple homes, new home discounts, and claim-free discounts for homeowners with no recent claims. Contact us to discuss which discounts you qualify for and how much you can save.

Yes, installing monitored security systems, smart home devices, fire alarms, or burglar alarms can qualify you for premium discounts. The exact discount amount depends on the type of system and monitoring service. Provide documentation of your security features to receive applicable discounts.