FAQs

Most policies have a 30-day waiting period, so arrange coverage well before any storm or threat.

They differ in three ways. NFIP is the federal program, so its policy language is standardized nationally and its residential building and contents limits are capped, which is the ...

Because flood is a different kind of risk from the perils a home policy is built for. Flood losses tend to affect whole areas at once rather than one ...

Loss of use, also called additional living expense, is the part of a renters policy that addresses the extra cost of living elsewhere after a covered loss: a hotel ...

Often yes, subject to your policy’s terms and limits. We can explain how off-premises coverage typically works.

Usually yes. A roommate’s policy typically does not cover your belongings or your liability, so your own policy is often the safer choice.

No. Both are excluded from a standard renters policy. Earthquake coverage for a renter focuses on your personal property and, importantly, loss of use if the building becomes uninhabitable, ...

No. Both are excluded and covered separately. We can help you add them.

Typically no. The master policy covers the building, not your personal property or interior upgrades, which is what your HO6 is for.

If your HOA assesses unit owners for a covered loss or liability that exceeds the master policy, loss assessment coverage may help pay your share.