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1. How much would it cost to rebuild my home at today’s prices?Your home is one of the single largest investments that you may ever make. By insuring your home, you are protecting your investment. Here are the primary factors that determines the cost of rebuilding you home
2. How can I make sure that I have coverage for my valuable items?Within your home insurance policy, there is limited protection for your valuables. There are some cases where you might consider a Personal Articles Floater Insurance. A Personal Articles Floater provides protection for jewelry, furs or fine arts that are higher than the limits stated in your policy.
3. Will I be reimbursed for living expense if I cannot live in my home due to a covered loss?If your home becomes uninhabitable due to a covered loss, the insurance company covers your cost of housing, and meals up to a reasonable limit.
4. If there was a pipe burst causing water to flow over my floors, am I covered?Yes, within a homeowner’s policy it covers accidental discharge of water from a plumbing system.
5. Does my Homeowners Insurance policy cover earthquake?No, Earthquake insurance is a separate coverage. This coverage can be purchased through:
6. How can I save money on my home insurance?
7. How much will my insurance premium increase and how long will it remain on my record after I file a claim?Rate increase after a claim is solely based on the insurance company. After filing a claim, you will lose your claim free discount for your home insurance. The average timeframe for a home insurance claim to remain on an account is 5 years, but this depends on each individual carrier. *Please consult with your insurance agent about this matter.
8. If I am evacuated by local civil authority and have to live at a hotel, does my home insurance cover my living expenses?Within your home insurance policy, it is covered under your loss of use coverage. In the event that you are unable to access your home due to a civic authority mandatory evacuation, some insurance companies will reimburse your living expense up to 2 weeks without paying a deductible. *Please refer to your policy or your insurance agent for more clarification*