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Yes, but with limits. For complete protection of high-value items, consider specific endorsements or policies.

Install security systems, increase deductibles, consolidate policies, and maintain good credit. Compare offers regularly.

Most policies cover certain natural disasters, but events such as earthquakes or floods may require special coverage.

Yes, notify your broker/ insurer of any major renovations. This can affect the value of your home and your coverage.

Replacement cost reimburses the replacement cost without depreciation, while actual value considers wear and tear and depreciation.

It is not automatic, but certain types of water damage (such as flooding) may require additional coverage. Check the details of your policy.

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