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Home Insurance

Call and tell us the address and what you want the policy to cover. We'll point you at the right conversation.

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How dwelling limits, deductibles, and named exclusions change what a policy pays.

Is the dwelling limit based on a rebuild estimate or on the purchase price?
Which causes of loss are named, and which are excluded?
What is the deductible for wind or hail, if it differs from the base deductible?

The difference between the structure, your belongings, loss of use, and liability.

Standard homeowners policies often treat flood, and sometimes wind, differently from other damage.

What to have ready, and what an independent third party can and cannot decide for you.

Is the person an appointed agent of one carrier, or an independent agent?
Which discounts require proof, such as alarms, a new roof, or paid-in-full billing?
How are claims reported, and who handles the claim after it is filed?

A declarations page is the short sheet that lists limits and deductibles. Ask for it before you compare two policies on price alone.
Replacement cost and market value are different numbers. A low dwelling limit can leave a gap after a total loss even when the premium looked attractive.
Flood is commonly excluded from a standard homeowners policy. If the address has flood exposure, ask about a separate policy rather than assuming the homeowners contract covers it.
Have the declarations page in front of you when you call. Limits and deductibles are the whole comparison.

The city, whether this is a new policy or a renewal, and the deductible you have now.