Got Questions? We've Got Answers.

Home insurance protects your property and belongings from damage or loss due to covered events like fire, theft, storms, and more. It also provides liability protection if someone gets injured on your property. For most people, a home is their biggest investment, so protecting it makes financial sense.

A standard policy typically covers your dwelling structure, personal belongings, liability if someone is injured on your property, and additional living expenses if your home becomes temporarily uninhabitable due to a covered event. Specific coverage varies by policy, so it's important to review what's included.

In most cases, we can activate your coverage within 24 to 48 hours after you complete your application and payment. If we need any additional information or documentation, we'll reach out immediately to avoid any delays.

Yes, you can cancel your policy at any time by contacting our support team. Depending on when you cancel, you may receive a prorated refund for the unused portion of your premium. We'll walk you through the process and make sure everything is handled smoothly.

Standard home insurance usually doesn't cover floods, earthquakes, general wear and tear, pest damage, or intentional damage. Some of these risks, like flood and earthquake coverage, can be added as separate policies or endorsements. Always review your policy details to understand what's excluded.

It depends on the source. If water damage comes from a sudden event like a burst pipe or leaking appliance, it's typically covered. However, flooding from external sources like rivers or heavy rain usually requires separate flood insurance. Gradual leaks or lack of maintenance are generally not covered.

Yes, most home insurance policies provide limited coverage for personal property even when it's away from your home. For example, if your laptop is stolen from your car or your luggage is lost during travel, your policy may cover it. Check your policy for specific limits and conditions.

If you own high-value items like jewelry, art, musical instruments, or collectibles, you may need a scheduled personal property endorsement or floater. Standard policies have limits on certain item categories, so it's smart to list expensive belongings separately to ensure full coverage.

Filing a claim is simple. Contact us by phone or through our website as soon as possible after the incident. We'll guide you through the documentation you need and assign a claims adjuster to assess the damage. Our team will keep you updated throughout the entire process.

The timeline varies depending on the complexity of the claim. Simple claims can often be resolved within a week, while more complex cases involving significant damage or investigations may take longer. We always strive to process claims as quickly as possible while ensuring accuracy.

A deductible is the amount you pay out-of-pocket before your insurance kicks in. For example, if you have a $1,000 deductible and file a claim for $5,000 in damage, you pay the first $1,000 and your insurance covers the remaining $4,000. Higher deductibles usually mean lower premiums.

Absolutely. If you make renovations, acquire new valuable items, or simply want to adjust your coverage limits, you can contact us anytime to update your policy. We'll review your needs and make the necessary changes to ensure you're properly protected.

Your premium is based on several factors including your home's location, age, size, construction materials, claims history, credit score, and the coverage limits you choose. Homes in areas with higher risk of natural disasters or crime may have higher premiums. Our team can explain exactly how your rate is determined.

Yes, we offer various discounts including bundling multiple policies, installing security systems, being claims-free, having smoke detectors and fire extinguishers, or paying your premium annually. Ask us about all available discounts when you get your quote to maximize your savings.

Yes, we offer flexible payment plans including monthly, quarterly, semi-annual, and annual options. While paying annually may offer a discount, we understand that monthly payments can be more manageable for many families. Choose the payment schedule that works best for your budget.