Insurance FAQs

• Q: Do I need special windstorm coverage in my homeowner’s insurance policy?
  A: Most homeowner’s insurance policies contain coverage for losses related to windstorms, hail, or other types of severe storms. However, if you live in … More
• Q: How do I know how much homeowner’s insurance I need?
  A: You should talk to a qualified insurance agent in order to determine the amount of homeowner’s insurance you will need, which may depend on a variety of … More
• Q: What kinds of losses does my homeowner’s insurance policy cover?
  A: Your homeowner’s insurance policy may cover losses resulting from fire, wind, hail, theft, damage, snow, or smoke, and may cover other events that cause losses … More
• Q: What is a deductible, and how high should my deductible be on my homeowner’s insurance policy?
  A: A deductible is a certain amount of money that you have to pay out of pocket before your insurance company will cover any losses under your homeowner’s … More
• Q: What is the National Flood Insurance Program?
  A: The National Flood Insurance Program (“NFIP”) provides insurance policies for people in case of damages from flooding, as most homeowner’s insurance … More
• Q: Can my insurance company refuse to renew my homeowner’s insurance policy?
  A: Yes. Although state law determines the type of notice that you must be given if your insurance company decides not to renew your homeowner’s insurance … More
• Q: Do I need special insurance for natural disasters like flooding or hurricanes?
  A: Maybe. In some higher-risk areas, such as in coastal regions, you may need to purchase additional insurance coverage to fully protect your assets. While … More
• Q: What do I do if our home is damaged in a hurricane or natural disaster?
  A: You should keep contact information for your insurance agent on hand, so that you can contact him or her as soon as possible if you need to file a claim. You … More
• Q: What steps can I take to minimize damages to my home, and thus decrease my insurance costs?
  A: Particularly if you live in an area that is prone to natural disasters such as hurricanes, you should take steps to ensure that your home is protected with features … More
• Q: How can I prepare for potential insurance claims if a natural disaster such as a hurricane is forecast for my area?
  A: You should keep an inventory of all of your items of personal property, as well as their estimated costs, so that if they are destroyed, your insurance company will … More
• Q: How can I handle my finances in the event of a natural disaster?
  A: If a natural disaster hits your area, banks and ATMs may not be operable for a few days. Therefore, you can protect your finances by paying bills that are due … More

Click here to view general Insurance FAQs