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Homeowners Insurance

Homeowners FAQ

What is homeowners insurance? Your Home is your most important asset and we provide you with the necessary insurance to protect your home against the unexpected. Including broad coverage for damage to your home and permanent structure (unless excluded in your policy), damage to personal property as specified in your policy and liability coverage Our home office can handle your claims and make sure you receive the assistance you need to get your home life back to normal.
What are the limits on a homeowner’s policy? Dwelling Values up to $250,000 Contents maximum coverage 40% of dwelling value limits Liability Coverage Limits of $25,000, $50,000, $100,000 & $300,000 Medical Payment coverage from $1,000 to $5,000 Deductible minimum 2% wind/hail of $1,000 Deductible 1% on other perils with option to increase to 2% Replacement Cost available by endorsement on dwelling values of $50,000 or greater
Does my home have to be worth a certain amount? The coverage you pay will minimize your loss in the event of property damage. We insure home values up to $250,000.
What is Personal Property protection? Your possessions need to be insured. We safeguard your personal belongings, such as furniture, clothing and appliances that have been damaged or stolen, up to 40% of the limits of the coverage on your home.
What if I can’t occupy my home during repairs? This coverage provides for living expenses if your home is to damaged to live in. It allows for limits up to 10% of the amount for which your home is insured.
How much does liability protection cover? Liability coverage protects you if you are found legally responsible to support a claim against damages resulting from bodily injury or property loss. We offer liability limits from $25,000 to $300,000.
What about medical coverage? This coverage pays the necessary medical costs incurred when someone is injured in a covered loss on your property. A basic policy pays $500 in medical bills. We offer up to $5,000 in medical payment coverage.

For help with other insurance questions feel free to contact us at 1-888-DEVOLADA (338-6523), option #1 or use our Find an Agent map to find an agency near you.

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