HOMEOWNERS INSURANCE
Frequently Asked Questions
Homeowners insurance typically covers:
- Dwelling coverage: Protects the structure of your home from covered perils like fire, wind, and theft.
- Personal property: Covers belongings like furniture, clothing, and electronics.
- Liability protection: Covers legal costs if someone is injured on your property.
- Additional living expenses: Pays for temporary housing if your home becomes uninhabitable due to a covered loss.
If you have a mortgage, your lender will likely require homeowners insurance. Even if not required, it’s essential for protecting your home and finances.
No, floods and earthquakes are NOT covered under standard policies. You can purchase separate flood insurance through the National Flood Insurance Program (NFIP) or private insurers, and earthquake coverage as an add-on or separate policy.
You should have enough coverage to fully rebuild your home if it’s destroyed, replace personal belongings, and protect against liability risks. Our agents can help determine the right amount.
Yes! Bundling your home and auto insurance can provide significant discounts and simplify your coverage. Ask us about available savings.
AUTO INSURANCE
Frequently Asked Questions
Homeowners insurance typically covers:
- Dwelling coverage: Protects the structure of your home from covered perils like fire, wind, and theft.
- Personal property: Covers belongings like furniture, clothing, and electronics.
- Liability protection: Covers legal costs if someone is injured on your property.
- Additional living expenses: Pays for temporary housing if your home becomes uninhabitable due to a covered loss.
Yes, most states require at least liability coverage. Specific requirements vary by state, so our team can help ensure you meet local regulations.
You can save money by:
✔ Bundling auto with homeowners or renters insurance
✔ Maintaining a good driving record
✔ Choosing a higher deductible
✔ Taking defensive driving courses
✔ Installing anti-theft devices in your car
- Check for injuries and call emergency services if needed.
- Exchange information with the other driver (insurance, contact details, license plate).
- Take photos of the scene, vehicles, and any damages.
- File a police report if necessary.
- Contact your insurance provider to start the claims process.
If you have a car loan or lease, your lender may require full coverage (collision & comprehensive). Otherwise, it depends on your car’s value and how much risk you’re willing to take. We can help you determine the best coverage for your needs.
We’re here to help! Contact EverHome Insurance today for personalized guidance and a free quote on homeowners or auto insurance.