A: Most policies include dwelling coverage (the structure), other structures (sheds,  fences, detached garages), personal property, personal liability, medical payments to others, and additional living expenses if a covered loss makes your home uninhabitable. Exact coverage varies by carrier, ask us to review the details.

A: Yes. Condo owners usually need an HO-6 policy to cover interior walls, improvements, and personal property not covered by the condo association’s master policy. Renters need a renters (HO-4) policy to protect their belongings and liability. We’ll help you choose the right form.

A: You should insure your home for its reconstruction (replacement) cost, not its real estate market value. We use industry rebuild cost tools plus local construction insight to help estimate an appropriate amount.

A: Replacement cost pays to repair/replace damaged property with new materials of like kind and quality (up to the policy limit). ACV subtracts depreciation, meaning you’d receive less for older items. Many clients prefer replacement cost, ask if your policy qualifies.

A named perils policy covers only the causes of loss specifically listed. An all-risk (open perils) policy covers everything except what’s excluded, broader protection in most cases. We’ll explain the differences and pricing so you can decide what fits.

Standard homeowners policies typically do not cover flood or earthquake damage. Sewer or drain backup is often excluded but can sometimes be added by endorsement. Let us know your address and we’ll review available options, including NFIP flood policies and private market solutions.

The deductible is the amount you pay out of pocket on a covered claim before insurance kicks in. Higher deductibles generally lower your premium; lower deductibles provide more predictable out-of-pocket costs. Some policies have separate wind or hurricane deductibles, ask us to check.

Often, yes. Many carriers offer multi-policy discounts when you bundle home, auto, umbrella, or other lines, sometimes producing meaningful annual savings. We’ll compare bundled vs. standalone pricing for you.

Your property address, year built, square footage, construction type, roof age, major updates (roof, plumbing, wiring, heating), number of families/units, security systems, desired coverage levels, and current insurance info (if available) help us produce an accurate quote.

Review at least once a year and anytime you renovate, finish a basement, add a deck, buy valuables, install a pool, or experience a major life change. Regular reviews help keep coverage and discounts up to date.

High-value items often have sub-limits under the standard personal property section. Scheduling (listing) items or adding a valuables endorsement can provide broader protection and higher limits, sometimes with lower or no deductible. Ask us for a valuables review.

Standard homeowners policies usually limit or exclude coverage for business activities and short-term rental exposures. Special endorsements or separate policies may be required to stay properly protected. Tell us how you use your home so we can recommend the right solution.