Answers to what homeowners ask us

A deductible is the amount you pay toward a covered loss before your policy begins to pay. Policies can offer different deductible options, and we can explain how each one works.

Standard home policies often exclude flood and earthquake damage. Separate coverage may be available, so ask us about it if you live in an area where these events are a concern.

Personal property coverage usually has limits for items such as jewelry, art or collectibles. If you own higher-value items, you may want to ask about scheduling them separately.

It's a good idea. Improvements such as a new kitchen, an addition or a finished basement can change what it would cost to repair or rebuild your home, so a review is worthwhile.

Generally you will report the loss, document the damage with photos and notes, and take reasonable steps to prevent further damage. We can explain the steps for your specific policy.

Homeowner policies are usually written for the home you live in. Rental or vacant properties often need different coverage, so tell us about your situation and we'll talk through what may apply.

Laws generally don't require it, but mortgage lenders commonly do. Even without a mortgage, many owners choose coverage to protect a major investment.

Use the sign-up form to share a few details. A team member will follow up to discuss your options, and you decide whether to move forward.

Eligibility depends on factors such as the property, its location and state requirements. We'll review your details and tell you what options may be available.