What to know first
Home insurance commonly addresses the dwelling, belongings, liability and additional living expenses after a covered loss. Limits, exclusions and optional protection depend on the policy. Flood insurance needs a separate review.
Rebuilding cost is different from market value
A purchase price includes land and market conditions. A reconstruction estimate instead considers materials, labor, features and the work needed to rebuild. Tell us about additions, custom finishes, roof and system updates, detached structures and occupancy changes so the information behind the quote is current.
Separate wind, flooding and water backup
A standard homeowners policy generally excludes flooding. Wind deductibles and water backup options have their own terms. A basement leak, surface flood and backed up drain are different events. Review the cause of loss, the policy language and any separate coverage available for the property instead of assuming all water damage is treated alike.
Look inside and beyond the house
Jewelry, art and other valuables may have special limits. Pools, rental use, a condo association policy and detached buildings can introduce additional questions. Ask about replacement cost, ordinance requirements, scheduled items and umbrella coordination where relevant. Coverage options vary; the details of the property matter.
Questions people ask
Does home insurance cover flood damage?
A standard homeowners policy generally excludes flooding. Flood insurance is a separate conversation, and water backup coverage is not a substitute.
Can you review a condo or rental property?
Yes. Condo master policy requirements and rental occupancy should be reviewed separately from an owner occupied homeowners policy.
How do I prepare for a home quote?
Have your current declaration page, property details, major update dates and any closing or renewal deadline available.
Buying a home?
Use the Greenwich homebuyer insurance checklist