An overland water endorsement covers water that enters the home through doors and windows, typically from a storm. Conversely, a water extension endorsement covers river and creek overflow due to heavy rainfall.

When you make a claim, you pay a deductible before insurance covers the rest. Each claim may increase your premium. For small repairs, the premium increase might not be worth it, but for larger claims, the benefit can outweigh the cost.

Personal liability insurance protects you from financial loss if you accidentally injure someone or damage their property. This includes situations like someone slipping on your steps and becoming injured.

Absolutely. Even if your house is vacant, it’s important to have insurance to protect it from potential loss or damage.