Frequently Asked Questions

Getting a quote is simple and fast. You can request a quote online through our website by filling out a brief form with information about your home, or contact our support team directly. We'll ask about your home's location, size, age, and any special features to provide you with an accurate quote tailored to your needs.

Several factors influence your premium including your home's location, age, construction type, size, and replacement value. Other considerations include your claims history, chosen deductible amount, coverage limits, and any additional protection you add to your policy. We work with you to find the right balance between comprehensive coverage and affordable rates.

We offer comprehensive home insurance coverage including dwelling protection for your home's structure, personal property coverage for your belongings, liability protection for legal and medical expenses, and additional living expenses if you need temporary housing. Our plans can be customized to include coverage for specific valuables, natural disaster protection, and more depending on your location and needs.

Standard policies typically cover damages from fire, windstorms, hail, lightning, and other common events. However, coverage for floods and earthquakes usually requires separate policies or endorsements. We'll review your location's specific risks and recommend appropriate coverage to ensure you're fully protected against natural disasters common in your area.

Personal property coverage includes your belongings, but standard policies have limits for high-value items like jewelry, art, collectibles, and electronics. For valuable items that exceed these limits, we recommend adding scheduled personal property coverage or a floater policy. This provides additional protection with agreed-upon values for your most precious possessions.

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 settlement costs. This is an essential part of home insurance that protects your financial wellbeing. We typically recommend liability limits that match or exceed your total assets to ensure adequate protection.

Filing a claim is straightforward. Contact us immediately after an incident occurs through phone or our online portal. Document the damage with photos and videos, make a list of affected items, and gather any relevant receipts or documentation. Our claims team will guide you through each step, from initial report to final settlement, ensuring a smooth and stress-free process.

The timeline varies depending on the complexity of your claim. Simple claims can often be resolved within a few days, while more complex situations may take several weeks. We prioritize swift processing and keep you informed throughout the entire process. You'll receive regular updates via email or phone, and you can track your claim status online at any time.

Filing a claim may affect your premium at renewal, depending on the claim type, amount, and your claims history. However, that's exactly what insurance is for—protecting you from significant financial loss. We evaluate each situation individually and work to keep your rates competitive while maintaining the coverage you need. Small claims may have minimal impact on your premium.

Updating your policy is simple. You can contact our customer service team via phone or email, or use our online portal to submit changes. Whether you've made home improvements, acquired valuable items, moved, or need to adjust your coverage, we'll guide you through the process to ensure your policy reflects your current situation and provides adequate protection.

Your home insurance typically continues to protect your property even when you're away. However, if you're planning an extended absence, it's important to notify us. Some policies have specific requirements for vacant homes, and we can help ensure you maintain proper coverage during your travels. Taking precautions like stopping mail and arranging for regular property checks is also recommended.

Yes, you can cancel your policy at any time. Contact our support team directly to discuss your cancellation request. We'll walk you through the process, discuss any potential refunds for unused premiums, and ensure all paperwork is handled properly. We strongly recommend having replacement coverage in place before canceling to avoid any gaps in protection for your home.

If you miss a payment, you'll typically receive a grace period to make the payment without losing coverage. We'll send reminders via email and mail. If payment isn't received within the grace period, your policy may be canceled. Contact us immediately if you're having difficulty making a payment—we may be able to work out a payment plan or discuss options to help you maintain your coverage.

We recommend reviewing your policy annually and whenever you experience major life changes. This includes home renovations, purchasing expensive items, changes in home value, or significant life events. Regular reviews ensure your coverage keeps pace with your needs and that you're neither over-insured nor under-insured. Our team is always available to help you assess whether adjustments are needed.