HOME COVERAGE FAQ’s
Let’s talk home insurance

Am I covered if my dog bites my neighbor? — Dog bites are included with your basic liability coverage. However, dogs that have a history of bites are considered “vicious” and will be excluded from coverage.
Do I need to take an inventory and photographs of my belongings? — We all have so much stuff! It’s a good idea to prepare a home inventory. Need help on how to complete an inventory? Feel free to give me a call or visit our helpful online guide.
Do I need Flood Insurance? — If it rains, it can flood. Basic home insurance does not cover flood, although mortgage companies typically require homeowners in a flood zone to carry flood insurance. Ask me for more information.
When should I think about increasing my home insurance coverage? — Whenever you change something significant about your home or its contents, you should contact me so we can review your coverage. For example, if you put an addition on your home, start a business from your home or make a major purchase, it’s time for a review.
What is an Umbrella policy? — Umbrella insurance supplements the liability coverage you already have with your auto and home policies, providing an extra layer of coverage. Consider it financial — catastrophe protection, and psychological and emotional comfort, when you really need it the most. Keep in mind your home and auto policies must have certain limits in order for you to qualify.
Home insurance options and requirements can be complex. I offer a free service that simplifies your options, so you can decide if your policy gives you the coverage you want. Let’s have a conversation.
