Homeowners & Renters FAQ

1. Do I need homeowners insurance?

If you own a home, your lender requires it — and even if you own it outright, it protects your biggest asset from major financial loss.

2.Do I need renters insurance if my landlord has coverage?

Yes. Your landlord’s insurance only covers the building, not your personal belongings or liability.

3.What does homeowners insurance cover?

Typically:

4.What does renters insurance cover?

It covers your belongings, liability, theft, and damage — usually for just pennies a day.

5.How much homeowners or renters insurance do I need?

We help calculate the right amount based on your home’s rebuild value, your belongings, and your specific risks.

6.Can I bundle home & auto for a discount?

Yes — most companies offer significant savings when you bundle.

7.How fast can you provide proof of insurance?

Instantly. Proof of insurance is issued same day for closings, rentals, or renewals.

8.What if I file a claim?

We guide you through the entire process — documenting damages, communicating with the carrier, and ensuring you’re treated fairly.

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