Frequently Asked Questions

Does my Homeowners Policy cover Flood Damage?
No, the Homeowners Policy specifically excludes coverage from Flood. This includes ground water. Coverage can be purchased through the National Flood Insurance Program.

Does it cost any more money to do business with an Independent Insurance Agent?
No, in fact your Independent Agent does business with several insurance companies and has the opportunity to find the best price from the many companies they represent.

How can I tell if my home has the Guaranteed Replacement Cost Endorsement?
The best way is to contact your agent. There have been many changes to the Homeowners Policy in recent years. Many companies have done away with the old replacement cost endorsement and have replaced it with a "Cap Limit".