Frequently Asked Questions

Home insurance protects your house and belongings from unexpected damage or loss. It covers repairs or replacement costs due to covered events like fires, storms, theft, and more. Most mortgage lenders require home insurance, and it provides financial protection for your most valuable asset.

The cost varies based on factors like your home's value, location, age, coverage amount, and deductible. On average, homeowners pay between $1,000-$3,000 annually. Contact us for a free, personalized quote based on your specific situation.

Standard home insurance covers: (1) Dwelling - physical structure damage, (2) Personal property - belongings inside your home, (3) Liability - legal expenses if someone is injured on your property, (4) Additional living expenses - temporary housing costs if your home is uninhabitable, (5) Other structures - detached garages, sheds, etc.

Home insurance typically covers sudden and accidental water damage, such as burst pipes or appliance leaks. However, it usually doesn't cover flood damage (requires separate flood insurance) or damage from lack of maintenance. Water damage from gradual leaks is often not covered.

Standard policies cover wind, hail, lightning, and fire damage. However, floods and earthquakes typically require separate policies. Check your policy details and location-specific risks to ensure adequate protection.

Replacement cost coverage pays to replace damaged items with new ones at current prices without depreciation. Actual cash value pays the depreciated value of items. Replacement cost coverage costs more but provides better protection for your belongings.

To file a claim: (1) Document the damage with photos/videos, (2) Contact us immediately at +1 213 5217806 or through your online portal, (3) Provide necessary documentation, (4) An adjuster will assess the damage, (5) Once approved, you'll receive payment for covered losses. Most claims are processed within 48 hours.

Yes, you can cancel your home insurance policy at any time. However, if you have a mortgage, your lender will require continuous coverage. You may receive a prorated refund for unused premium. Contact us to discuss cancellation terms and any applicable fees.

Ways to reduce premiums: (1) Increase your deductible, (2) Bundle home and auto insurance, (3) Install security systems and smoke detectors, (4) Improve home safety features, (5) Maintain good credit, (6) Stay claims-free for discounts, (7) Review coverage annually to ensure you're not over-insured.

A deductible is the amount you pay out-of-pocket before insurance coverage kicks in. For example, with a $1,000 deductible and $5,000 in covered damage, you pay $1,000 and insurance pays $4,000. Higher deductibles mean lower premiums, but more out-of-pocket costs when filing claims.

Standard policies have limits on high-value items like jewelry, art, collectibles, and electronics. If you own expensive items, consider adding a personal property floater or scheduled personal property endorsement for full coverage.

Standard home insurance provides limited or no coverage for home-based business equipment, liability, or lost income. If you run a business from home, consider adding a home business endorsement or purchasing separate business insurance.

Coverage can often begin the same day or next business day after your application is approved and payment is received. Get a free quote today and we'll help you get protected quickly!