Frequently Asked Questions (FAQs) About Home Insurance
Home Insurance FAQs
Q: What does home insurance cover? A: Home insurance typically covers damage to your home's structure, personal belongings, and liability for injuries or property damage caused by you or members of your household.
Q: How much home insurance do I need? A: The amount of coverage depends on the value of your home and its contents. Consult with a First Foundation insurance advisor to determine the appropriate coverage.
Q: What is a deductible? A: A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in.
Q: How can I lower my home insurance premiums? A: You can potentially lower your premiums by increasing your deductible, improving home security, bundling policies, mitigating specific risks, and more.
Q: What is not covered by home insurance? A: Most home insurance policies exclude flood damage, earthquakes, and wear and tear. Additional coverage may be required for these risks.
Q: How do I file a home insurance claim? A: Contact your insurance provider immediately after a loss to initiate the claims process.
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