Insurance Questions We Hear Every Week

A short form or a phone call to provide owners’ names, the address, how you use the home (primary, second home, or rental), and, depending on the age of the home, update the years for major systems (roof, plumbing, electrical, HVAC, hot water heater). From there, we pull the rest ourselves.

Usually about a business day. We shop your home across vetted, A-rated carriers and come back with the combination of coverage and price that actually fits, not just the cheapest line.

No and no. Quotes are free, there’s no obligation, and we’ll tell you plainly if your current policy is the better deal.

No. Every standard home policy excludes rising water. Flood coverage is a separate policy, priced through NFIP or private markets, and we quote it alongside your home policy so nothing is left to assumption.

A percentage of your dwelling limit, not a flat dollar amount. On a $900K home, the difference between a 2% and 5% hurricane deductible is $27,000 out of pocket. We explain that math in dollars before you buy.

Only up to small policy caps unless it’s scheduled or written as a separate policy. Scheduled coverage or having a separate policy ensures the item is fully covered.

Coastal roofs face greater exposure to high winds, salt air, and severe storms. As roofs age, they become more vulnerable to damage, which increases insurance risk. Your roof’s age can significantly impact your insurance rates, coverage options, and eligibility with certain carriers.

More than twenty A-rated companies compete for your policy, and we present the best of them with the trade-offs explained plainly.f

The same people who quoted your policy or the carrier directly. We prefer that you come to us to explain what happened, and we can help you decide whether to file a claim, explain deductibles, and the process with your specific carrier

Email us your deadline. We handle closings every week; binders, escrow, and lender requirements are routine, and your client gets a real person on the phone.