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Home Insurance Simplified

Not all home insurance policies are the same

How much does Home Insurance cost?

Rates are based on home characteristics such as, but not limited to, the size of your home, construction type, roof shape, credit worthiness, original year built and your claim history.

What is a Hurricane Deductible Percentage?

The usual percentages are 2, 3 or 5%. This NOT a percentage of the damage deducted but it is the percentage of the insured value. Example) 200,000 home with a 2% Hurricane Deductible is (200,000 x 2% = $4,000). The insurance company will deduct $4,000 from your next hurricane damage related claim check.

Which Insurance company has the lowest rates on Home Insurance?

It all depends on the geographical location of your home. Not all insurance company rates are the same and not all insurance companies offer policies in every zip code. You should get rates from more than one insurance company.

Does home Insurance replace my roof?

Depends on the original year of your roof. Depending on the insurance company some companies will no longer provide replacement of your roof if the shingles are towards the end of their life. Twenty to Twenty Five year old shingles you should consider replacing your roof.

Do I need to purchase Home Insurance?

You do if you have a mortgage as it is a requirement of your loan. A large home insurance claim can be a financially devastating event such as a fire, tornado or busted pipe can cause excessive damage to your property. You want the insurance company to pay for large losses.

Does my policy pay to rebuild my home?

Each policy has a limit that the insurance company will pay. The limit is also known as the insured value. In recent years the cost to build a home has increased and most home insurance policies are now under-insured which means you will not have enough money to rebuild your home if destroyed.