房屋保险

Congratulations on your new home! Absolutely. I'll need some details about the property — the address, square footage, and year it was built. Do you have that handy?

A standard homeowner's policy covers the structure of your home, your personal belongings, liability if someone gets injured on your property, and additional living expenses if you can't live in the home due to damage.

For a home like yours, you're looking at roughly twelve hundred to eighteen hundred dollars a year. You can lower your premium by choosing a higher deductible. Our most popular plan has a thousand-dollar deductible.

You'd call our claims hotline or file online. An adjuster will come out to assess the damage, usually within forty-eight hours. After that, we'll send you a settlement offer based on their report.

No, flood damage is not included in a standard homeowner's policy. You would need a separate flood insurance policy through the National Flood Insurance Program. Given your proximity to a creek, I'd strongly recommend it.

It depends on your flood zone, but for properties near water, it's typically between seven hundred and two thousand dollars a year. I can look up your exact zone and give you a firm quote.