FAQs

Homeowners insurance covers the structure of your home and your personal belongings, as well as liability protection. Renters insurance, on the other hand, is for those who rent their living space. It covers your personal belongings and provides liability protection, but it does not cover the building itself, which is the responsibility of the landlord.

Several elements can impact your flood insurance premiums, such as the flood zone designation of your property, the elevation of your home, and the construction materials used. Homes located in high-risk areas typically face higher premiums, while those in lower-risk zones may benefit from reduced rates. Additionally, the coverage amounts and deductible you select will also influence your overall costs.

To file an insurance claim, first, gather all relevant information, such as policy numbers, dates, and documentation. Then, contact your insurance provider as soon as possible, either online, by phone, or through our mobile app. Our claims department will guide you through the process and provide any necessary forms. Be sure to document everything and keep copies of all correspondence.