ALOHA INSURANCE SERVICES

The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.

Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood, earthquake, and hurricane damage is excluded and must be purchased separately.

HOMEOWNERS INSURANCE BASICS

» What is in a standard homeowners insurance policy?
» Are there different types of policies?
» What type of insurance do I need for a co-op or condo?
» Does my homeowners insurance cover flooding?
» Tell me more about Flood insurance
» Does my homeowners insurance cover hurricanes?
» What type of disasters are covered?
» Can I own a home without homeowners insurance?
» What is renters insurance?
» What is Umbrella Liability insurance?
» How do I take a home inventory and why?
» Hurricane Preparedness Tips
» I would like to request a quote...

BUYING AND SAVING MONEY

» Do I need separate coverage for jewelry?
» How much homeowners insurance do I need?
» How much will it cost?
» How can I save money?
» What information do I need to provide to my agent?
» How often should I review my policy?
» Should I purchase an umbrella liability policy?
» Admitted or Non-Admitted Carrier?

HELP! I HAVE TO FILE A CLAIM

» How do I file a homeowners claim?
» How does the payment process work?
» How is the settlement amount determined?
» What is a public adjuster?
» How can I avoid scams after a disaster?

HOMEOWNERS TIPS

» Dog bite liability
» Grilling safety
» Home security
» Lawnmower safety
» Pool safety
» Protecting your house from mold
» Protecting your bike from theft
» Remodeling your home