Frequently Asked Questions

Personal Insurance: Home Insurance

Claims

• Flooding – Is my home covered from damages?

  Some years, our region has plenty of snow which can lead to flooding after it has melted. Is your property covered when that happens?

• Wind Damage - If my fence got blown over, is it covered?
• Windstorm & Hail – am I covered?
• Liability - Are Dog Bites Insured?

  From 4 to 5 million people are bitten by dogs each year and about 885,000 require medical attention for these injuries; about half of these are children.

• WATER DAMAGE ~ Am I Covered?
• Water Damage ~ is flood excluded in a Homeowners policy?
• Water Damage ~ if water backs-up through my sewer or drain am I covered?
• Water Damage ~ if waters leaks through my foundation am I covered?
• Water Damage ~ if my roof leaks is the water damage covered?
• WIND DAMAGE ~ Am I Covered?
• Wind damage - Part of my roof is gone, so will my Homeowners policy cover it?
• Wind damage - My tree damaged my neighbor’s car, so am I liable?
• Wind damage - My big tree fell in my yard, so will my policy pay to remove it?

Optional Coverage

• Identity Recovery Insurance

  For as little as $1 per month premium you can have Identity Recovery Insurance added to your Homeowners policy.

Exclusions

• Coverage gaps - College Students & Your Homeowners Policy

  Beware of coverage gaps while your college student is away at school.

• BUSINESS USE -- Does my Homeowners policy exclude business activities?

  If you have a home-based business you need some answers to your questions.

• Business Use - How does my Homeowners policy define 'business'?

  “Business” is a specifically defined term in your personal Homeowners insurance policy.

• Business Use - Does my Homeowners policy exclude buildings used in business?
• Business Use - Is business property covered by my policy?
• Business Use - What limitations apply to Personal Liability and Medical Payments coverage?
• Business Use - Can my home-based business be covered by my Homeowners policy?

Property

• PERSONAL PROPERTY - How is it insured?

  The loss of our personal items to fire, theft, vandalism, natural disaster or any other cause creates a financial loss as well as being unsettling to our lives. So, how do you insure all your stuff?

• Personal Property - Where is it insured?

  

  When you travel on vacation, move to a new residence, put items in a storage unit, have a family member living at college, or pack up all your earthly belongings in a U-Haul truck, suddenly you wonder, “Is all my stuff insured when away from my residence premises?”

General

• HOMEOWNERS – What coverage is provided?

  Not all homeowners insurance policies are the same. Coverage and pricing can vary greatly from company to company and state to state. If you have a coverage question please contact us.

• CLUE Report - do I need one before I buy a home?