If you live near the coast or in a storm-prone area, wind coverage protects your home from damage caused by hurricanes, tropical storms, and strong wind events. Many standard homeowners policies exclude wind, so without it, you could be left footing the bill after a storm.

Flood zones are mapped areas that show your risk of flooding. The higher the risk (like Zone AE or VE), the higher your flood insurance premium—simple as that. But even “low-risk” zones can flood, so it’s smart to be protected.

Market value is what your home could sell for today, while replacement cost is what it would cost to rebuild it from the ground up—materials, labor, and all. For insurance, we focus on replacement cost to make sure you can rebuild, even if the market fluctuates.

First, make sure everyone is safe, then document the damage with photos or videos. Next, call us—we’ll walk you through the process and help get your claim started with the insurance carrier right away.

Yes! It might sound like a chore, but you’ll thank yourself later. A quick phone video walkthrough of your rooms, closets, and drawers can be a lifesaver if you ever need to file a claim.

This policy provides extra protection for valuables like jewelry, art, watches, and more. If it’s special, expensive, or easy to lose, this coverage ensures it’s protected beyond what your standard policy offers.

Think of it as extra liability coverage that kicks in when your auto or home insurance reaches its limit. It’s affordable peace of mind—protecting you from big lawsuits and the unexpected.

It protects you if you’re hit by someone with little or no insurance. This coverage helps pay for your medical bills, lost wages, and more—especially important if the other driver can’t cover the costs.

Umbrella insurance doesn’t kick in until your auto or home policy maxes out—so $300,000 is the standard liability minimum required. Think of it as the launchpad that gets your umbrella coverage off the ground.

Unlike your regular deductible, this one is a percentage of your home’s insured value—usually 1–5%. So if your home is insured for $500,000 and you have a 2% wind deductible, you’d pay $10,000 out of pocket before coverage kicks in.

Premiums can increase due to rising repair costs, inflation, more severe weather events, or an uptick in claims in your area (even if they’re not yours). It’s not personal—it’s just the math behind shared risk.