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Frequently Asked Questions
Exploring insurance can be intricate. Our FAQ section is tailored to offer clarity and address your queries.
What does homeowners insurance cover?
Homeowners insurance helps protect your home, your belongings, and your financial security if something unexpected happens. A standard policy typically covers:
Your home’s structure (walls, roof, foundation, built-in systems)
Personal belongings (furniture, electronics, clothing, etc.)
Liability protection if someone is injured on your property
Additional living expenses if you need to temporarily move out during repairs
Other structures on your property (garage, shed, fence)
Coverage varies depending on your policy, so it’s important to review your limits and options regularly to make sure your protection grows with your needs.
Are floods or earthquakes covered under
homeowners insurance?
In California, standard homeowners insurance does not cover damage caused by floods or earthquakes.
To protect your home fully:
Earthquake insurance must be purchased separately. California has unique seismic risks, and adding earthquake coverage can help safeguard your home’s structure and personal property.
Flood insurance is also a separate policy, typically provided through the National Flood Insurance Program (NFIP) or private insurers.
Your agent can help you determine whether these additional policies make sense based on your area and risk level.
What factors affect homeowners insurance
premiums?
Several factors influence the cost of your homeowners insurance, including:
Location (crime rates, wildfire zones, distance to fire stations)
Home characteristics (age, square footage, construction materials)
Coverage limits and deductibles
Your claims history
Safety and security features (alarm systems, fire-resistant materials, roof type)
Credit profile (in many states)
Your agent will review these factors with you and help you find a plan that balances protection and affordability.
What is a deductible?
A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.
How do I determine the right coverage amount
for my home?
The right coverage should allow you to fully rebuild your home in the event of a total loss—not just market value.
Your agent will help you calculate your replacement cost, which is based on:
Local construction and labor costs
The size and style of your home
Built-in features (cabinets, flooring, fixtures)
Quality of materials
Special upgrades or custom work
It’s important to review your policy each year to ensure your coverage keeps up with inflation and rising building costs.
Can I add additional coverage for
high-value items?
Yes. Standard homeowners policies include limits on items like jewelry, artwork, collectibles, and high-end electronics.
If you own items with higher value, you can add a scheduled personal property endorsement (often called “itemizing” or “scheduling” your valuables). This gives you:
Higher coverage limits
Broader protection (including accidental loss)
Documentation of each item’s value
Your agent can help you determine which items should be scheduled and how to properly document them.
How can I file a claim for property damage?
If your home has been damaged, here’s what to do:
Make sure everyone is safe and prevent further damage if possible.
Document the damage — take photos or videos of the affected areas.
Contact your insurance agent or carrier as soon as possible to start the claim.
Provide details about what happened and the extent of the damage.
Meet with the claims adjuster, who will inspect the property and guide next steps.
Begin repairs using approved contractors once the claim is processed.
Your agent is your advocate during this process and can help you understand what’s covered and what documentation you need.
How can I make sure that I have the right insurance coverage for myself and my family?
Our agency can review any existing policies and recommend changes to ensure you have proper coverage.
What is an annuity?
Annuity is an insurance contract that make regular payments for life to you immediately or in the future and help grow or protect against down turn for your retirement savings with guaranteed income amount.