A pool can increase your liability exposure, so it's important to make sure you have adequate liability coverage. Insurance companies may also have requirements for fencing, screened enclosures, diving boards, slides, or other pool features. We'll help make sure your policy and coverage are appropriate for your home.

A standard homeowners policy may not provide the right coverage once a home is rented to others. The type of policy you'll need depends on how the property is being rented, including whether it's a long-term rental, seasonal rental, or short-term vacation rental. Let us know before you begin renting the property so we can review your coverage and make sure the home is insured appropriately.

Homes near the coast can have different insurance requirements and coverage options, particularly for wind and hurricane damage. Depending on the property and location, wind coverage may be included in your homeowners policy or written separately. Flooding is also not typically covered by homeowners insurance, so a separate flood policy may be important even when it isn't required.

Your hurricane deductible is the amount you're responsible for paying before your policy begins paying for covered hurricane damage. Unlike a standard deductible, it is often based on a percentage of your home's insured value rather than a flat dollar amount. We'll help you understand the deductible options on your policy and what they could mean for you after a loss.

It depends on what caused the damage. Homeowners insurance may cover certain types of sudden and accidental water damage, but it generally does not cover flooding, and other limitations or exclusions may apply. Coverage can also vary by insurance company and policy, so it's important to understand how your particular policy responds.