Q: Does my policy cover everything?
A: No. No insurance policy covers everything. Your policy will explain what is covered, what is excluded, and what limits might apply.
Q: What is covered in my policy?
A: To know what is covered in your policy, you must look at the coverages listed on the Declaration Page. For a short explanation of each of these coverages, click here. For a full explanation of your coverages, please read your policy.
Q: My policy shows a limit of 0 for theft coverage. Am I covered for theft?
A: For policy type HO3
Theft of personal property is automatically included in the policy.
For policy type DP3
If your Declaration Page shows a charge for “Theft Coverage” then your personal property is covered for the peril of theft up the limit shown for “Personal Property” or “Contents” on your Declaration Page.
Q: What is “Personal Property”?
A: Personal Property is contents. A good way to think of it is, if you could pick up the house and turn it sideways, everything that would fall out would be personal property. Personal Property also includes items normally found outside the house, such as lawn equipment, bicycles, etc.
Q: What is “Ordinance or Law Coverage” and do I need it?
A: Ordinance or Law coverage provides for additional coverage to pay for certain increased costs of construction incurred due to the enforcement of an ordinance or law.
EXAMPLE: Suppose your house has a kitchen fire. The insurance company will say, “No problem, we’ll take care of that.” The building inspector from the county comes by and says, “Wait a minute – electrical codes have changed since the house was built, and you will have to re-wire the entire house to bring it up to code in order to complete this repair.” The insurance company (if you do not have O/L coverage) would say, “The rest of the house was not damaged – it’s not our problem.” Ordinance or law coverage would fill that gap.
Whether or not you would choose to take this coverage, and at what level of coverage, might depend upon the age of your home – what building codes were in effect at the time of construction.
The state of
Q: Am I covered for flooding?
A: Your hazard policy does not cover you for flooding. It is important to know the difference between flooding and water damage (which is covered if your house is less than 40 years old). A Flood is rising or standing water from outside the house that inundates your house and at least a part of two adjacent properties. For more information on floods and flood insurance click here.
Q: Are sinkholes covered?
A: Unless you chose to reject sinkhole coverage, you are covered. The coverage is for structural damage to your home. It does not cover cosmetic damage or land. Read the policy for full details of the coverage and limitations.
Q: Is my swimming pool covered?
A: Yes, the swimming pool is covered as a part of the dwelling. However, there are limitations to the coverage. Read your policy to know what is covered and what is excluded.
Q: Is my pool pump covered?
A: Yes, the pool pump and other permanently installed equipment used to service the pool are covered as a part of the dwelling.
Q: What is meant by “This policy contains a separate deductible for hurricane losses, which might result in higher out-of-pocket expenses to you”?
A: Every property insurance policy in
Q: Why did my mortgage company say they have no record of my insurance?
A: If you changed mortgage companies in the past year, it is possible that we were not notified of the change. If you have a new mortgage company within the last year, click here to make sure we know about it and keep your policy up to date.
Q: If my mortgage company pays for my insurance, why did I get a request for payment?
A: As the owner of the policy you will always receive a courtesy copy of notices sent to your mortgage company.
