FAQ2018-10-24T15:06:24+00:00

FAQ

My House Has Mold, am I Covered?2018-10-24T14:57:58+00:00

It depends if the mold came from a named peril. If the mold was discovered as being there previously, usually it is not covered unless there is an endorsement on the home insurance policy.

Can I Insure My Investment Property?2018-10-24T14:57:42+00:00

Yes, The Home Insurance Agency can write investment properties.

Is My Home In A Flood Zone?2018-10-24T14:57:24+00:00

The Home Insurance Agency can check to see if your house is in a flood zone based on flood maps. They can also get you a guaranteed rate.

Does My Policy Cover Hurricane?2018-10-24T14:57:12+00:00

Every home insurance policy covers hurricane. Review your policy to check if there is a hurricane deductible.

What Is Hazard Insurance?2018-10-24T14:57:00+00:00

Hazard insurance is another terminology for home insurance. The home insurance agency can give you a free quote.

What Is An HO6 Policy?2018-10-24T14:56:47+00:00

An H06 policy is insurance for covering your condo or co-op.

What Is An HO3 Policy?2018-10-24T14:56:34+00:00

An HO3 home insurance policy is a home insurance policy that will cover your primary residence.

Do I Need Flood Insurance?2018-10-24T14:56:23+00:00

The Home Insurance Agency has access to flood maps and can find out quickly if your home is in a flood zone. They can also get you a guaranteed flood insurance rate as well.

Can I Combine My Home And Auto Policy?2018-10-24T14:56:11+00:00

The Home Insurance Agency will match you up with the insurance company that has the best home and auto insurance coverages and prices for your needs.

Which Home Insurance Company Is Best To Go With?2018-10-24T14:55:58+00:00

There is no best company for everyone, but companies that are better than others based on your circumstances. The Home Insurance Agency will match you up with the company that has the best coverage and rates for your needs.

Where Can I Access The Homeowners Insurance?2018-10-24T14:44:05+00:00

You can access homeowners insurance through an independent insurance agent. An independent insurance agent has access to multiple insurance carriers and will be able to match you up with the company with the best coverage and rate for you.

How Do You Pay Homeowners Insurance?2018-10-24T14:44:57+00:00

You can pay for homeowners insurance by calling the insurance company’s billing phone number or going onto their website. You can also call your independent insurance agent and pay the bill through them.

What Areas Should Homeowners Insurance Cover?2018-10-24T14:45:19+00:00

Homeowners insurance should cover your house against the popular named perils and your own personal liability. Some of the perils include fire, lightning, hail, wind storm, vandalism, malicious mischief, pipe freeze, pipe burst, liability, etc.

Can The Homeowners Insurance Be Canceled?2018-10-24T14:51:59+00:00

Yes, homeowners insurance can be canceled by calling your independent insurance agent or calling the insurance company’s customer service phone number listed on your policy.

Do They Include Homeowners Insurance In Mortgage Payment?2018-10-24T14:46:28+00:00

Yes. If you have a mortgage, the bank will pay for homeowners insurance. You can elect to pay for the home owners insurance yourself, but you will have to notify your financial institution.

Is Tax Deducted on Homeowners Insurance?2018-10-24T14:46:13+00:00

No, homeowners insurance is not tax-deductible.

What Is the Cost of Homeowners Insurance?2018-10-24T14:48:29+00:00

The cost of homeowners insurance can vary greatly because of many different scenarios. Call the Home Insurance Agency to get your free quote to see what is the best price and coverage to your unique situation.

When Should One Get Homeowners Insurance?2018-10-24T14:47:17+00:00

One should get home insurance before closing on your house or if you own a house already.

What Is The Benefit Of Having Homeowners Insurance?2018-10-24T14:49:47+00:00

Homeowners insurance gives coverage for your personal liability and against named perils such as fire, lightning, hail, wind storm, vandalism, malicious mischief, pipe freeze, pipe burst, liability, etc.

Do You Need Homeowners Insurance?2018-10-24T14:50:00+00:00

Yes, it is highly recommended to get homeowners insurance. Financial institutions mandate getting homeowners insurance if you have a mortgage.

How Does Home Insurance Work?2018-10-24T14:50:22+00:00

Homeowners insurance covers you against popular named perils. If you have a loss, your homeowners insurance policy will cover you.

What Risks Are Covered With Homeowners Insurance?2018-10-24T14:50:45+00:00

A homeowners insurance policy will covers you for fire, lightning, hail, wind storm, vandalism, malicious mischief, pipe freeze, pipe burst, liability, etc.

What Does Homeowners Insurance Mean?2018-10-24T14:51:04+00:00

Homeowners insurance gives you coverage on your home against named perils in a policy.

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