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Home & Umbrella Insurance 
Savemore Insurance has been providing Home and Umbrella coverage for years. Our expert staff will make acquiring your insurance a quick and pleasurable experience. Please review our Home and Umbrella Frequently Asked Questions or fill out our website form for a Free Home Insurance Quote today!
Home & Umbrella Insurance Frequently Asked Questions
 What is Umbrella Insurance?Umbrella liability insurance, or excess personal liability coverage, is intended to protect you in case you are held personally liable to another person for injury or property damage. For example, if someone slips and falls from a crack in your sidewalk and successfully sues you for money damages, your personal liability policy can provide coverage to pay the damages. These policies are called "excess" policies because they insure the "excess liability" over the limits which otherwise may be provided in your homeowner's, auto, or other insurance policies. |
| What does homeowners' insurance cover? Homeowners' insurance differs slightly from company to company, but in general, most policies cover the following:
In addition, homeowners' insurance typically includes personal liability insurance that provides coverage for you or a family member sued for negligent acts that results in another person's accidental injury or in property damage. It will al |
| How much homeowners' insurance should you have? To determine how much insurance you need, you first have to calculate how much it would cost you to rebuild your home based on current prices. Most homeowners' policies require you to insure a percentage (at least 80%) of the replacement cost of the home (subject to limit on policy) less the deductible in the event of a loss. Some people discover too late that their property is underinsured. When that happens, the situation is very different. For example, if your home is insured for less than 80% of its replacement cost, your insurance company will either pay the actual cash value (replacement cost minus depreciation) or the amount in proportion to the difference between 80% of the replacement cost and your actual policy limit, whichever is greater. At Savemore Insurance Agency, we have the tools to help you calculate how much coverage you need. Please call or Email us with questions regarding your homeowners insurance coverage. |
| If I add an addition, will my homeowner's policy cover it? Yes. In addition to construction materials, your homeowner's policy will cover any additions, repairs or alterations. However, since you may require additional coverage, you should report major changes to your agent. |
| What's the most frequent cause of claims made on homeowners' policies? In terms of numbers, the answer is theft. And you, the policyholder, can take precautions to guard against it. Knowing how burglars operate and what they're most likely to steal is an important first step in preventing loss and thereby reducing insurance costs. For example, since money is highly susceptible to theft, only a very limited amount is covered. We advise you not to keep large amounts of cash at home. |
| Is my swimming pool covered?
Yes. Coverage is extended to swimming pools, whether they're aboveground or in-ground. |
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