Tell us about your home and what's in it. A verified home insurance professional will check that your coverage fits, explain what a standard policy leaves out, and compare your options with you.
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Most policies are built from the same pieces. The amounts and the terms behind them are what differ.
The structure: walls, roof, floors and what's built into it. This should reflect the cost to rebuild.
A detached garage, fence, shed or similar buildings on the property.
Furniture, clothing, electronics and other things you own, whether you're home or away.
Helps with extra living costs, such as a hotel, if a covered loss makes your home unlivable.
Protects you if someone is hurt on your property or you damage someone else's.
Helps with small medical bills if a guest is injured at your home, regardless of fault.
Exclusions and limits are where people get caught out. Ask about each of these before you decide.
Typically not included. Separate flood coverage is usually available.
Also typically separate, and more relevant in some areas than others.
Often needs an add-on. Ask whether it's included in the policy you're offered.
Gradual damage and poor maintenance are generally not covered, unlike sudden damage.
Jewelry, art and some electronics can have low limits unless you list them separately.
Work gear at home often isn't fully covered by a standard policy.
Replacement cost pays to replace items new. Actual cash value pays what they were worth after wear, which is usually less.
A higher deductible usually lowers the price but means more out of pocket if you claim. Some areas use a separate deductible for wind or hail.
How much protection you have if someone sues. It's worth thinking about what you could lose.
Extra protection for specific risks or belongings, priced separately.
Your lender will need proof of coverage before closing.
A higher bill with no claim is a good moment to compare.
An extension, new kitchen or finished basement can change what it costs to rebuild.
A new roof or security system may be worth mentioning when you ask for a price.
Risks and prices vary by area, so a policy that suited the old place may not suit the new one.
Renters and condo owners need different policies from a house owner, and we can point you the right way.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Check that the amounts reflect what it would cost to rebuild and replace, not only what the home would sell for.
See what a standard policy leaves out, such as flood, and what your options are for filling those gaps.
Deductibles, limits and add-ons lined up side by side, so a lower price actually means something.
Your address, the year the home was built, its size and construction, any updates such as a new roof, your current policy if you have one, and any claims in recent years. If you don't have everything, send the request anyway.
Lenders usually require it while you have a mortgage, and may set minimum coverage. Check with your lender, and tell us so the advice fits.
Standard homeowners policies typically don't include flood or earthquake damage. Separate coverage is usually available, and a professional can explain whether it's worth considering where you live.
Not necessarily. Dwelling coverage is meant to reflect the cost to rebuild, which can differ from what the home would sell for.
No. A verified professional contacts you, not a list of agents.
No. Namoye is free for you, and you're never obliged to buy.
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