Compare Home
Insurance Rates

Zipcode

Do you own or rent this property?
Own Rent

 
Get up to 4 Quotes in
under 30 seconds!

The Most Popular Home Insurance Questions

Get the answers to some of the most popular home insurance questions here. You can get the answers you need to ensure that you are getting the best coverage for your specific assets and home.

I need to file a claim. What will happen during the claims process?

Contact the company to tell them you need to make a claim. After you give them all the necessary information describing your insurance claim, you will be contacted by an insurance employee. This claims adjuster will contact you typically within a 48-hour window. The adjuster will help you gain more information needed for the claim and then will determine whether or not your claim is covered by insurance. Also, they will help you determine if an inspection will be necessary. Throughout the process, your claims adjuster will work with you to determine how much estimates will be for contractors, bills, reimbursement and other important pieces of the claim. They will help you recover and rebuild after the incident.

After a single claim, will my home insurance rates go up?

Loss experience is a crucial part of a home insurance rate estimate. Specifically, loss experience is determining how frequent a loss occurs and the severity of the loss. Items like a swimming pool or a trampoline will increase the likelihood of an accident and thus increase the rates. A single claim should not significantly increase the premium rate as long as the change does not present a new, greater risk on the property that would promote serious negligence on the part of the policyholder.

Do I have to own a home to have insurance for all of my personal property and assets?

Absolutely not. You can rent your home and have renters insurance that will provide you with insurance for your personal property.

Will I suffer a penalty if my home is not insured when the incident occurs?

If you have a "coinsurance clause" with your home insurance (most policies include this), you will have to pay a penalty. Be sure to review your insurance limits each year to be certain that you are fully protecting your assets and their values

Home Insurance Articles
 
 
The Most Popular Home Insurance Questions
Smart Tips with Your Home Insurance
More Important Information about Your Home Insurance
Home Insurance Online Tips and Tricks
Getting the Most from Your Home Insurance
The Home Insurance Facts
Know Your Home Insurance Policy
Types of Homeowner's Insurance Policies
The Basics of a Standard Home Insurance Policy
How Homeowner's Insurance Gives Peace of Mind
Basic Homeowner's Insurance Facts
Homeowner's Insurance Basics
Standard and Additional Coverage
Home Insurance Basics
Understanding Your Homeowner's Insurance Policy
Home Insurance (Abridged) Glossary of Terms

Shopping for Cheap Home Insurance
Shop for Home Insurance Quotes
Locate Additional Home Insurance Discounts
Factors to Consider When Looking for Homeowners Insurance
Home Insurance Policies: Look Before You Leap

Know the Terms with Home Insurance Policies
Is Your Family Protected?
Homeowners Insurance: Requirements and Coverage
Your Home Insurance Rate
Questions for Your Home Insurance Agent
Why Homeowner's Insurance Rates Vary
How Your Credit Rating Impacts Home Insurance Costs
Does Your Homeowners Insurance Need Updating?
Home Insurance Online Tips and Tricks
Are Your Loved Ones Protected?

Learning about Savings in Home Insurance versus Coverage
Getting Better Discounts on Your Home Insurance
Homeowners Insurance: How To Save
Home Insurance Cuts To Your Bill
Compare Home Insurance Policies and Rates
Tips to Help You Save Money on Homeowner's Insurance
Increase Your Deductible for Lower Insurance Rates
Rolling Back Rates and Risk Factors
Slashing Your Home Insurance Bill
Saving Coin On Home Insurance