How much home insurance do I need?

At a minimum, homeowners should purchase enough coverage for their home (or dwelling) to cover the cost to rebuild the home to the same standard as it exists today. Additionally, homeowners should buy enough liability coverage to protect their personal assets.

Does home insurance cover floods?

Homeowners insurance does not protect against losses from floods. Homeowners need to purchase a separate policy to protect against floods. Flood insurance covers damage caused by rising waters.

What is the difference between ACV and RCV?

RCV, or Replacement Cost Value, provides coverage for full replacement.

What is an insurance deductible?

A deductible is the amount paid by the insured in the event of a claim. This is typically deducted from the overall payout by the insurance company in the event of a loss.

Do I have to wait to switch my policy?

You can switch your policy at any time. We are here to help in the process. Most insurance policies provide a refund for any unearned premium that has already been paid. We can then put your policy in place right away.

Am I required to carry home insurance?

Most states don't require homeowners insurance. If the home is financed, the lender will require home insurance to protect their risk exposure. For most people, a home is their largest investment and it is a good idea to protect it.

Do I need home insurance if I am renting?

If you are renting a home, your landlord should carry a policy that protects their property. As a tenant, the correct policy to carry would be a renter's insurance policy, which covers against liability and personal property risks.

Does a home insurance policy cover hurricanes?

Typically home insurance policies cover wind as one of the named perils. This includes damages caused by a hurricane. Make sure to check the policy includes wind and in some instances it may have a separate deductible. This often can be quoted in terms of a percentage of the Coverage A: Dwelling limit.

What is a central alarm system?

In order for an alarm system to qualify as being centrally monitored, the system and alerts must be monitored off site. A centrally monitored alarm is monitored around the clock, and in the event of the alarm being activated, the service provider will notify the appropriate authorities.

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Q: What is home insurance for?

Home insurance is a promise to pay in the event of a covered loss,up to the coverage limits in the event of a total loss. Insureds pay premiums in return for the assurance that they will be made whole in the event of a loss.

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"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."

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Frequently Asked Questions

We get it. RV insurance can be confusing. We're here to help.

What is RV insurance?

RV insurance, or Recreational vehicle insurance protects your property and damages or injuries you may cause much like car insurance does.

Can I add RV insurance to my auto policy?

Auto insurance is not designed with Recreational Vehicles in mind. An RV has unique risk exposures and additional coverages that are important to consider and protect.

Is insurance required on a travel trailer?

States do not require you to carry insurance on a vehicle that you pull with a car or truck. If you finance the travel trailer, your lender might require that you purchase comprehensive and collision coverage to protect

How much does RV insurance cost?

Depending on how much your RV is in use, insurance premiums can range from $200 to $3,000. If you are a part-timer, you can expect to pay less than $1,000. If you are a full-timer, you can expect to pay $2,000-$3,000.

What does RV insurance cover?

Standard RV insurance will cover things such as physical damage, RV roof protection, Injuries, and much more.

Why is RV insurance important?

It is a good idea to have RV insurance because of the amount of money you have invested. Because RV's are large vehicles, major injuries and significant physical damage can happen if in an accident.

How does RV insurance work?

RV insurance is a promise to pay in the event of a covered loss, up to the coverage limits in the event of a total loss. Insureds pay premium in exchange for the assurance that they will be made whole per the terms of the policy in the event of a loss.

What does agreed value coverage mean?

Agreed value offers coverage at a set price. In the event of a complete or total loss, the insurance company is to pay out the complete amount of the agreed value established.

Am I required to have RV insurance?

Most states require a minimum

Do I need insurance for RV trailer?

Insurance is optional for RV trailers because they are not motorized. However, if your motor home or travel trailer is financed, your lender will most likely require you to carry physical damage coverages.

How is RV insurance priced?

Similar to other types of insurance, your RV insurance cost will be determined by risk.

What kind of insurance do I need for a RV?

If you own your RV, you will only be required to have standard liability insurance. If you live in a no-fault state, you will also need personal injury protection.

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