Question 1

What does Homeowners Insurance cover?

Accepted Answer

A homeowner's policy provides coverage for your physical property – both the home and the contents inside of the home. It also provides personal liability for the individual policyholders for events that they are held liable for such as accidental injuries to others.

Question 2

What does a standard Homeowners Insurance policy NOT cover?

Accepted Answer

Homeowners insurance helps protect one of your most significant investments – your home. Unfortunately, the average homeowners policy does not cover all situations that may arise. As policies range from insurance company to insurance company, it is important to know what your policy covers and what it does not. We recommend speaking with a licensed agent regarding your specific needs so that they can tailor a policy that will properly cover your most valued assets.

Question 3

My Condo Association has a policy, why do I need one too?

Accepted Answer

Condo Association policies will provide coverage for the exterior and some internal components of a condominium. Condo owners will still have responsibility for some interior portion of the unit. Additionally, condo owners require coverage for their personal belongings and protection against potential liability due to accidental injury.

Question 4

Is Flood included in my homeowners policy?

Accepted Answer

Most homeowners policies specifically exclude Flood. A separate policy can be purchased through the National Flood Insurance Program, and in some cases, through a Private Flood Insurance Program.

Question 5

Will my homeowners policy cover my jewelry?

Accepted Answer

There may be some coverage available to insure jewelry within a homeowners policy; however, there are several limitations including how much you can recover and causes of loss. The loss may also be subject to a deductible. An alternative is to Schedule your jewelry which expands the causes of loss to include perils such as mysterious disappearance. It may also eliminate the deductible and can offer higher limits.

Question 6

Why do I need a Renters policy?

Accepted Answer

There are three categories of coverage that make up a renters policy: personal property, liability and loss of use. A renters policy will provide valuable coverage for your personal belongings. It will also offer coverage if you are held liable for damaging someone’s property or injuring them. In the event that you are unable to occupy your rented space due to a covered loss, it will provide coverage for a temporary place to stay.

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