Home FAQ's

What is homeowners' insurance?

Homeowners' insurance is a form or personal lines insurance. The typical homeowners policy has two main sections:


  • Property of the insured.
  • Personal liability coverage to the insured.

What do I need to know when purchasing homeowners insurance?

  • Get the amount and type of insurance that you need.
  • Determine the amount of personal property insurance and personal liability coverage that you need.
  • Select any additional endorsements you want to add to your policy. For example, would you want the personal property replacement cost endorsement?

What is actual cash value?

When actual cash value is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.

What is replacement cost?

When replacement cost coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Where and when is my personal property covered?

Coverage C of a homeowners policy provides named perils coverage. This applies to all of your personal property (except property that is specifically excluded).

Should I purchase earthquake coverage?

Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions, and other earth movements.

Should I purchase flood coverage?

If your property lies in a flood plain as determined by US Government Flood Maps. Ask your independent agent about a flood quote.