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Q?

Why do I need to insure my home for more than I purchased it for?

A.

Insurance is based on the replacement cost of your home not the market value or tax value. Replacement cost is figured with software that calculates the size, characteristics, and local building practices of your home to arrive at a number to re-build your home.

Q?

Why do I need a separate flood policy; isn’t flood covered under my home insurance?

A.

Flood insurance is never covered under any type of home insurance product.

Q?

What is considered a flood?

A.

Rising ground water or storm surge. (Not a full definition please consult with an Agent for further discussion)

Q?

Why does the insurance company care if I own a Pitt Bull?

A.

While I am a dog lover too, dog breeds considered to be aggressive breeds can cause a problem for home insurance companies. The good news is some companies will still write coverage but exclude liability coverage for the dog and the dog liability can be purchased separately.

Q?

What is an escrow account?

A.

An escrow account is typically set up by your mortgage company. The account holds the money for your insurance and taxes; when billed the account pays the bills.