Standard home insurance (HO-3) covers your dwelling, personal property, liability, and additional living expenses. It protects against perils like fire, windstorm, theft, and vandalism — but typically excludes floods and earthquakes, which require separate policies.

Premiums are based on your home's replacement cost, location, age, construction type, claims history, credit score, and the coverage limits you choose. Bundling with auto insurance often provides 10-25% savings.

Standard home insurance does NOT cover flooding. If you live in a flood-prone area or near water, Luisa recommends adding a separate flood insurance policy through the NFIP or a private carrier.

Replacement cost coverage pays to replace your belongings with new items of similar kind and quality. Actual cash value subtracts depreciation, meaning older items pay out less. Luisa recommends replacement cost coverage for most homeowners.

Yes, but you should inform your insurer. Standard home insurance may have limitations for rental activity. Our team can help you find a policy that covers both your residence and rental activities properly.

Contact Luisa or Gladys directly — he'll help you through the entire claims process, from documenting the damage to working with the adjuster, to ensure you receive the full coverage you're entitled to.