Home Insurance FAQ

Home insurance is a type of insurance that helps you cover the costs of damage or loss to your home and personal property. It can also provide liability protection if someone is injured on your property.

There are several types of home insurance available, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. Each type of coverage provides different types of protection.

The amount of home insurance you need depends on the value of your home and personal property, as well as your risk tolerance. Your mortgage lender may require a minimum level of coverage.

Home insurance premiums are determined by a variety of factors, such as the age and condition of your home, the location of your home, the value of your personal property, and the deductible you choose.

A deductible is the amount you pay out-of-pocket before your home insurance coverage kicks in. Choosing a higher deductible can lower your premium, but it also means you will pay more out-of-pocket if you have a claim.

Yes, you can change your home insurance policy at any time. You can add or remove coverage, change your deductible, or switch insurance companies.

If your home is damaged or destroyed, you should contact your insurance company as soon as possible. Your insurance company will guide you through the claims process and help you get the necessary repairs or rebuild your home.