Frequently Asked Questions

A standard home insurance policy typically covers the physical structure of the dwelling, personal belongings inside, and liability protection if someone is injured on the property. It also generally includes additional living expenses if the home becomes temporarily uninhabitable due to a covered event such as fire or severe storm damage.

Detached structures on the property, such as garages, fences, sheds, and guesthouses, are typically covered under the other structures portion of a home insurance policy. Coverage limits for these structures are usually a percentage of the main dwelling coverage limit. Specific limits and conditions vary by policy, so reviewing the details of each plan is recommended.

Standard home insurance policies do not include coverage for flooding caused by external water sources or earthquake damage. These events require separate, specialized policies. Homeowners in areas prone to either type of event are encouraged to explore dedicated flood or earthquake coverage to ensure adequate protection for their property.

Personal liability coverage protects against financial loss if a third party is injured on the insured property or if property damage is caused by a household member. It helps cover legal defense costs and any settlement amounts up to the policy limit. This protection is particularly valuable because unexpected accidents can result in significant financial consequences without adequate coverage in place.

A claim can be submitted by contacting the claims team directly by phone or through the online policy portal. During the process, details about the incident, date of occurrence, and any documentation such as photos or repair estimates will be requested. Prompt reporting is strongly advised because delays in notification can affect the outcome of a claim review.

Processing times vary depending on the nature and complexity of the claim. Simple claims involving minor property damage are typically reviewed and resolved more quickly than those involving extensive structural damage or liability disputes. Providing complete documentation from the outset helps speed up the review process considerably and reduces the need for follow-up inquiries.

Before filing a claim, it is helpful to photograph or video all visible damage, make a written list of damaged or destroyed items with estimated values, keep receipts or records of emergency repairs made to prevent further damage, and note the date and cause of the incident. Maintaining a home inventory beforehand makes this step significantly more straightforward during an already stressful situation.

Coverage limits can be reviewed and adjusted by contacting the support team or logging into the policy portal. Common reasons to update limits include home renovations that increase property value, acquiring significant new personal property, or changes in local replacement costs. Reviewing coverage at least once per year ensures that protection remains aligned with the current value of the home and belongings.

Home insurance policies are tied to the specific property listed in the policy, not to the policyholder's personal identity. When a home is sold, the existing policy does not transfer to the buyer. A new policy will need to be purchased for any new residence. It is advisable to coordinate policy start and end dates carefully during any property transition to avoid gaps in coverage.

Most mortgage lenders require borrowers to maintain active home insurance coverage as a condition of the loan agreement. The lender has a financial interest in the property and needs assurance that it is protected against loss. If a policy lapses or is cancelled, the lender may obtain coverage on the borrower's behalf at a significantly higher cost, which would then be added to the mortgage payment.