Homeowners Frequently Asked Questions

How often should I shop for my homeowner coverage?

Before shopping around, check with your friends, family that are also homeowners to see what they have done for their insurance.  This will give you reason as to how often you need to check to see if your rate and coverage needs an examination or you can choose to do this annually. Look for a wide range of prices from several companies.  Ask the independent agent what the results were from different companies that they shopped.  Remember, you get what you pay for, so look for not only a fair price but excellent service as well.

What should I know about a company that I have not used before?

Find out if a company has earned any recognition for excellence in customer service and 24/7 claim service.  Service criteria includes: Courtesy, Knowledge, Concern for the customer, Convenience of operating hours, and ease of reaching a representative. Also check a company’s financial rating with A.M. Best or Standard & Poor’s.

What discounts are available with homeowner policies?

Here is a list of some of them.  Auto and Umbrella Policies with the same company;  home security and safety credits, senior discounts, occupational and group discounts,  new and newer home discounts and claim free discounts

Should I consider raising my deductible?

Companies generally have deductibles (what you pay before your insurance policy kicks in) starting at $250.  By choosing a higher deductible ($500, $750, $1,000 or higher), you’ll have lower annual premium payments.

What should I do to protect myself from losses to avoid a claim with a higher deductible?

Many companies and Agents have excellent information on how to a protect yourself from any losses.  Ask your agent for information.

Is my land insured?

No it is not.  Because land can not be destroyed.   Be sure you accurately describe your home when you are comparing pricing and coverage to an agent.

Can I purchase ID Theft Protection?

Most companies offer ID Theft Protection.    Most major companies offer identity fraud expense reimbursement coverage as an endorsement on the homeowner policy.

 Fraud expense coverage could include: Lost wages, Reasonable attorney fees, Telephone, certified mailing and notary charges, and Loan re-application fee  

 Please see our site for some additional ID Theft prevention tips.

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