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We offer comprehensive insurance to protect your home.

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FAQ

  • Standard homeowners insurance does not cover everything. Common exclusions include:

    · Floods – Requires a separate flood insurance policy.

    · Earthquakes – Usually excluded unless added with a specific endorsement.

    · Maintenance-related issues – Such as mold, pest infestations, and wear and tear.

    · Sewer or drain backups – Unless optional coverage is purchased.

    · High-value personal items – Jewelry, fine art, and collectibles may require scheduled personal property coverage to be fully protected.

    Always review your policy details to understand specific exclusions.

  • You need enough insurance to rebuild your home at today’s construction costs, not just its market value. This includes:

    · Dwelling coverage – For the full replacement cost of your home.

    · Personal property coverage – For your belongings inside the home.

    · Liability protection – To cover injury or property damage to others.

    · Additional living expenses (ALE) – If you need temporary housing after a covered loss.

  • Typically, no. Most standard policies exclude flood and earthquake damage. If you live in a high-risk area, you’ll need to purchase separate flood or earthquake insurance policies.

    · Flood insurance is often provided through the National Flood Insurance Program (NFIP).

    · Earthquake insurance is available as an add-on or separate policy through many carriers.

  • · Replacement Cost (RC) covers the full cost to repair or replace an item with a new one of like kind and quality, without deducting for depreciation.

    · Actual Cash Value (ACV) pays for the item’s depreciated value—what it’s worth today.
     

    Example: If your 5-year-old TV is stolen,

    · RC would pay to replace it with a new model.

    · ACV would pay only what the 5-year-old TV is worth now.

    Replacement cost coverage is typically more expensive but provides better protection.

  • While it’s not legally required, having home insurance is highly recommended even if your mortgage is paid off. Without it, you’d be fully responsible for:

    · Repairing or rebuilding after a fire or storm.

    · Replacing stolen belongings.

    · Covering liability if someone is injured on your property.

    Home insurance protects your financial investment and provides peace of mind.

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