FAQs (data-driven)

Homeowners Insurance

• What does homeowners insurance typically cover?

  Homeowners insurance typically helps protect your home, personal belongings, and other covered structures against certain losses or damage. It may also provide liability coverage if someone is injured on your property. Exact coverage, limits, deductibles, and exclusions vary by policy and insurance carrier.

• Does homeowners insurance cover flood or earthquake damage?

  Standard homeowners insurance policies generally do not cover damage caused by flooding or earthquakes. Separate flood or earthquake coverage may be available to help protect your home against these risks. A Goldenwest Insurance Services Agent can help you review your coverage options.

• How much homeowners insurance coverage do I need?

  The right amount of coverage depends on factors such as the cost to rebuild your home, the value of your belongings, your liability needs, and other property-specific risks. An insurance agent can help you evaluate these factors and determine appropriate coverage limits.

• How much does homeowners insurance cost?

  The cost of homeowners insurance varies based on factors such as your home's location, characteristics, replacement cost, coverage limits, deductible, claims history, and available discounts. Goldenwest Insurance Services shops multiple insurance carriers to help you compare coverage options and pricing.

• What is a homeowners insurance deductible?

  A deductible is the amount you are responsible for paying toward a covered claim before your insurance coverage applies. Deductible options vary by policy, and choosing a higher or lower deductible can affect your insurance premium.

• Can I bundle homeowners and auto insurance?

  Yes, many insurance carriers offer discounts when you purchase multiple policies, such as homeowners and auto insurance, from the same carrier. Goldenwest Insurance Services can compare available multi-policy options and discounts when helping you find coverage.