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How often should I review my policy?
There are four events that should trigger a review of your policy: 1. When your policy comes up for renewal
Don’t just automatically send a check to your insurance company. Take the time to review your coverage and call your agent with any questions or concerns that you may have regarding your homeowners insurance. Ask...
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What if I can't get coverage?
If you live in a home that is considered "high-risk" or plan to move to a high-risk location, you may have difficulty obtaining an insurance policy. What constitutes high-risk?
  • Your home is located in an area prone to severe weather such as hurricanes, windstorms, tornadoes or hail.
  • ...
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What information do I need to provide to my agent?
Your agent will ask you what kind of home you own or rent, roughly how much your possessions are worth, and what kind of liability coverage you will need. The agent will also want to know how many people live in your household, what pets you own, and the general condition of your house. You should also tell him if you own any particularly valuable items that might need speci...
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How can I save money?
The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the size of your house and the insurance company you buy your policy from. Here are some ways to save money.

Shop around
Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You ca...
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How much will it cost?
There are many factors an insurance company uses to determine the price of your policy:
  • The square footage of the house and any additional structures.
  • Building costs in your area.
  • Your home's construction, materials and features.
  • Amount of crime in your neighborhood.
The li...
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How do I pick an insurance company?
There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company:
  • Licensing
    Not every company is licensed to operate in each state. As a general rule, you should buy from a company licensed in your state, because th...
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Where can I buy insurance?
You can buy insurance through your local insurance agent and through insurance companies that sell through their own employees, over the phone, by mail and over the Internet. Consult your state insurance department, the yellow pages of your phone book, and friends or relatives for the names of insurance companies doing business in your state.

In most states, t...
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How much homeowners insurance do I need?
You need enough insurance to cover the following:
  • The structure of your home.
  • Your personal possessions.
  • The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.
  • Your liability to others.
The structure You ...
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Do I need separate coverage for jewelry?
A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism.

However, there are special limits of liability for certain items, meaning that the insurer will not pay more than the amo...
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What's the difference between cancellation and nonrenewal?
There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance companies cannot cancel a policy that has been in force for more than 60 days except when:
  • You fail to pay the premium
  • You have committed fraud or made serious misrepresentations on yo...
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