Find Answers to Frequently Asked Home Insurance Questions

Am I required to have home insurance?
No, home insurance is not mandatory, but is I very common for mortgage lenders to require you carry a home insurance policy.

What are some easy ways to lower my home insurance premiums?
Some quick and easy ways to lower your premiums include: heavy duty locks, video monitors, fire proofing the home, smoke detectors, fire alarms, home security systems, non-flammable building materials, etc.

How is my home appraised for insurance purposes?
The insurance provider will usually hire a 3rd party appraiser to make that determination.

Are floods covered under home insurance policies?
No, floods require separate flood insurance, which usually can be bought from the same company providing the home insurance

Is theft covered under a home insurance policy?
In almost all instances, theft will be covered under your policy.

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