Homeowners insurance typically covers the structure of your home, personal belongings, and liability protection. It can also provide coverage for living expenses if your home becomes uninhabitable due to a covered event such as a fire or storm.

No, standard homeowners insurance does not cover flood damage. You will need to purchase a separate flood insurance policy to protect your home from flood-related incidents.

It depends on several factors, including the value of your home, the cost to rebuild, and the value of your personal belongings. We recommend reviewing your policy annually and discussing your needs with one of our agents to ensure you have adequate coverage.

Yes, renters insurance is highly recommended. It protects your personal belongings against theft, fire, and other covered events. Renters insurance also provides liability coverage if someone gets injured in your rental property.

The amount of coverage you need depends on the value of your property and belongings. We recommend a policy that covers the full replacement cost of your home or possessions. Our agents can help assess your needs and find the right level of coverage for you.