Frequently Asked Questions

Flood damage is usually not part of a basic home insurance plan. We offer a separate flood protection add-on that you can bundle with your main policy for full coverage during heavy rain or water events.

Dwelling coverage protects the physical structure of your home, including walls, roof, and built-in systems. Personal property coverage protects your belongings like furniture, electronics, and clothing if they're damaged or stolen.

Yes, most policies include coverage for temporary living expenses if your home becomes uninhabitable due to a covered event. This can include hotel costs, meals, and other necessary expenses while repairs are made.

Yes, you can update your coverage at any time. Whether you are adding flood protection or adjusting your limits, your agent will help you make the change without hassle.

Your coverage amount should reflect the cost to rebuild your home and replace your belongings. Our agents will help you assess your property value and personal assets to recommend the right coverage level for your situation.

Your premium is influenced by your home's location, age, construction type, coverage limits, deductible amount, and local risk factors like weather patterns or crime rates. Credit score and claims history may also play a role.

Each property typically requires its own policy, but we can help you manage multiple policies under one account for easier administration and potential multi-policy discounts.

You can reach out to your assigned agent by phone or through our website. Once we receive the details, our claims team will review and guide you through the next steps quickly.

Most straightforward claims are processed within a few days to a couple of weeks. More complex claims may take longer, but we keep you informed every step of the way and work to resolve your claim as quickly as possible.

You'll need your policy number, photos or documentation of the damage, a list of damaged items with estimated values, and any relevant receipts or repair estimates. Your agent will guide you through the specific requirements for your claim.

Filing a claim may affect your premium at renewal, depending on the claim type and your claims history. However, insurance is designed to protect you during unexpected events, so don't hesitate to file when you need it.

We offer flexible payment options including monthly, quarterly, or annual payments. You can pay by credit card, debit card, bank transfer, or automatic withdrawal for convenience.

We'll send you a reminder notice before any action is taken. If payment isn't received within the grace period, your policy may be suspended or cancelled. Contact us immediately if you're having trouble making a payment so we can work out a solution.

Yes, we offer various discounts for things like security systems, smoke detectors, bundling policies, being claims-free, or paying your premium in full. Ask your agent about available discounts during your quote.