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Questions and Answers Does your homeowner's insurance policy cover valuable personal items? Are your swimming pool and pool screen covered under your homeowner's insurance policy? Did you know that if you live in a flood zone you must carry a separate flood insurance policy? Did you know that the shape of your roof can help reduce your homeowner's insurance premium? Do you know the difference between a wind deductible and a hurricane or named storm deductible? Do you know the difference between ACV and Replacement Cost coverage? Did you know that certain endorsements can carry their own deductible and that this could mean less out of pocket expense for you in the event of a claim?

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