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Home Insurance FAQs

What should I consider when buying home insurance?

  • The following you should consider when buying a home insurance:
    1. Purchase the coverage to replace your home and not your mortgage.
    2. Determine the coverage amount for personal property and personal liability.
    3. Determine if you need extended coverage for personal items like silverware, computers, jewelry or additional endorsements like earthquake and flood insurance.
    4. Check the reputation of the insurance company.

I am building a house, how do I insure it while it is being constructed?

  • A standard homeowner's policy will suffice, but make sure that you tell the insurance company or your agent that the house is currently under construction

How can I lower my home insurance premium?

  • To lower your home insurance, you can raise your deductible or drop your coverage. The deductible is what you pay from your own pocket before your insurance claim is processed. You can lower your premium by having your deductibles on the higher side. Hold multiple insurance policies with the same carrier you can shop around asking for discounts on your current policy.
    1. Notify the police if there had been a robbery.
    2. Notify the insurance company regarding the damage or loss of property.
    3. To avoid further damages protect your property.
    4. Make a list of damages or missing things.
    5. Show the insurance company the damages.
    6. Make a complete statement for the insurance company that details events before, during and after the loss occurred.

What steps do I take to file a homeowner's claim?

  • The following steps are required and it is very important that you follow these steps otherwise the insurance company might not process your claim.
    1. Notify the police if there had been a robbery.
    2. Notify the insurance company regarding the damage or loss of property.
    3. To avoid further damages protect your property.
    4. Make a list of damages or missing things.
    5. Show the insurance company the damages.
    6. Make a complete statement for the insurance company that details events before, during and after the loss occurred.

Do I need Flood Insurance or Earthquake Insurance?

  • Basic homeowner’s policies do not cover damages from flood or earthquake. If live in an area where floods and earthquake happens then you should consider adding flood and earthquake endorsements in your policy.
   

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