General Questions

If I increase my deductible, it will lower my premium, so what is the downside?

Yes, increasing your deductible will lower your premium; however, careful consideration should be used when making this decision. In the event of a loss, this is the out-of-pocket amount for which you will be responsible to repair or replace your property. This amount can often be substantial.

Can my policy go into effect immediately?

Depending on the policy or the situation. Most policies can be bound almost immediately, however a Flood policy, has a 30-day mandatory waiting period in almost all cases.

What is a peril?

It is the source of danger that causes the damage or destruction to a property. For example, fire is a peril. You are faced with many risks, no matter where you live. To learn more about risks, go to