Frequently Asked Questions

Our standard policy covers your home's structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable. This includes protection against fire, theft, wind damage, hail, lightning, and other covered perils specified in your policy.

Coverage for natural disasters varies by type. Standard policies typically cover wind and hail damage, but floods and earthquakes usually require separate policies or endorsements. We offer specialized natural disaster coverage to ensure comprehensive protection based on your location's risk factors.

Yes! Your personal property is typically covered anywhere in the world, usually up to a percentage of your total personal property coverage. This includes items in your car, at work, or while traveling. Check your policy for specific coverage limits and exclusions.

Liability coverage protects you if someone is injured on your property or if you accidentally damage someone else's property. It covers legal fees, medical expenses, and settlements up to your policy limits. This crucial protection helps safeguard your assets from lawsuits.

High-value items like jewelry, art, collectibles, or electronics may have coverage limits under standard policies. We recommend scheduled personal property endorsements for items exceeding these limits. This ensures full replacement value coverage for your most precious possessions.

Filing a claim is straightforward. Contact us immediately after an incident via phone or our online portal. Document the damage with photos, gather relevant information, and our claims team will guide you through each step. We're available around the clock to assist you.

Simple claims can be processed within a few days, while more complex situations may take longer. We prioritize fast, fair settlements and keep you informed throughout the process. Our goal is to get you back to normal as quickly as possible while ensuring proper evaluation.

Ensure everyone's safety first. If safe, take photos and videos of the damage, make temporary repairs to prevent further damage, keep receipts for emergency expenses, and contact us as soon as possible. Avoid discarding damaged items until an adjuster has assessed them.

Premium adjustments depend on various factors including claim type, frequency, and amount. Not all claims result in rate increases. We review each situation individually and work to keep your rates competitive while maintaining comprehensive coverage.

We offer flexible payment options including monthly, quarterly, semi-annual, or annual payments. You can pay via automatic bank transfer, credit card, debit card, or check. Setting up automatic payments ensures you never miss a payment and may qualify for a discount.

Yes! You can adjust your coverage at any time. Whether you need to increase protection, add endorsements, or modify your deductible, contact us to discuss changes. Adjustments will be reflected in your premium, calculated on a prorated basis.

We offer various discounts including bundling policies, installing security systems, smoke detectors, maintaining a claims-free record, and setting up automatic payments. Ask your agent about all available discounts to maximize your savings while maintaining quality coverage.

We'll send you a notice if a payment is missed, providing a grace period to bring your account current. Contact us immediately if you're having difficulty making payments—we can often work out a payment arrangement to keep your coverage active and protect your home.

Consider increasing your deductible, bundling policies, improving home security, maintaining good credit, staying claims-free, and reviewing your coverage annually to ensure you're not over-insured. Our team can help identify cost-saving opportunities specific to your situation.