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FAQS
What does homeowners insurance typically cover?
Homeowners insurance protects you from a variety of risks—like fire, theft, vandalism, hail, windstorms, and more. It also includes liability coverage if someone gets hurt on your property, and can help cover living expenses if you’re forced to leave your home after a covered event. Every policy is different, so it’s important to review yours carefully and consider any add-ons that might better protect your home and family.
How is the cost of homeowners insurance determined?
The cost of homeowners insurance is influenced by various factors, including the location of your home, its replacement cost, the age and condition of your home, your claims history, and the coverage limits you choose. Additionally, factors like the presence of security systems, proximity to fire hydrants, and your credit score can impact your premium. It's a good idea to work with an insurance agent to assess your unique situation and find a policy that offers the right coverage at an affordable price.
Is flood damage covered by standard homeowners insurance?
No, standard homeowners insurance typically does not cover flood damage. To protect your home from flood-related losses, you would need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. It's important to assess your risk based on your location and consider obtaining flood insurance if you live in an area prone to flooding, even if it's not required by your lender.
