- How often should a home insurance policy be updated?
You should review it every year, especially if you have made changes to the home, such as remodeling or adding lots of new furniture, appliances or equipment, or increasing the square footage.
- What do most homeowners insurance policies cover?
Basic coverage usually includes damage from fire and lightning, windstorm, hail, tornadoes and hurricanes (in most states), explosions, theft, vandalism, riot and civil unrest, damage from vehicles, sudden accidental damage from smoke, weight of snow, ice and sleet, and accidental discharge of water from plumbing. Some policies will also cover additional living expenses that may be incurred if you are not able to live in your home because of damage.
- Can I insure my $5000 engagement ring on my Homeowners policy?Yes, you may choose to schedule certain items of personal property not sufficiently covered under the standard property policies. Scheduling items such as jewelry, furs, fine arts, camera equipment, silverware, and certain other valuables provides broader coverage for the specified personal property.
- Do I have to have a homeowners policy to get earthquake insurance?
Yes. Earthquake insurance is only sold as an endorsement to your homeowners policy.
- How do I determine an appropriate amount for contents coverage?
Start by taking an inventory, room by room. Collect receipts for major items. Be sure to take photographs or a videotape. For big-ticket items, like jewelry, paintings or furs, you may need to add an endorsement, which is additional coverage just for those items.
- How Do I File A Claim
We know that having an accident or loss can be a financial hardship as well as worrisome. We want to make it as easy as possible for you to file a claim. You can report any claim 24 hours a day using the information provided below.
Reporting a Serious Claim
If you have a serious bodily injury claim or an emergency homeowner claim, please contact us 24 hours a day at 800-800-9410. Your call will be transferred immediately to a claims representative. After regular business hours your call is routed to an on-call claims representative for immediate assistance.
Reporting a Minor Claim
If you have a minor, non-injury claim, we'll handle your claim during regular business hours. You can contact us at 800-800-9410 or you have the added convenience of reporting a claim online.
