The truth is that when it comes to personal items, most homeowner’s insurance policies have special limits for valuables. That means whether valuables might be lost through theft, fire or even from damages to your home resulting from a hurricane, homeowners ought to know the limits that define their insurance policies.

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Many insurance companies exclude coverage of swimming pools and screens. At Olympus, we can help homeowners insure and protect this property - your pool and pool screen are automatically covered within our basic policy limits.

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It's true. Typical homeowner insurance policies do not cover flood damage. At Olympus, we can help you secure appropriate flood insurance and save money by offering a companion policy discount if you write the flood policy along with our homeowners or dwelling fire policy.

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It's true. If your home is framed with a hip roof design, it offers greater protection from the element of wind. That's why hip roofs can earn you a discount on your insurance premium. But you can also reduce your homeowner insurance premiums other ways, such as installing hurricane shutters or a home security alarm system, to name but a few.

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This means that if you have a hurricane deductible, which is typically the larger of the deductibles listed on your policy; it will ONLY come into play if the storm is deemed a tropical storm or a hurricane by the National Weather Service. At Olympus, even if the storm is severe, but not named, you get the benefit of applying your “all other peril” deductible (AOP) in the event of a wind loss.

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If you are only carrying actual cash value (ACV) for your contents or dwelling, your insurance carrier is only obligated to pay you what your house and contents are currently worth, not what it would cost to replace them. Selecting Replacement Cost coverage for your contents and dwelling will afford the replacement of the item at today’s cost.

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Even though you may be paying less premium for a optional coverages (like water/sewer back up), you may be receiving less value. If the endorsement does not carry its own deductible your claim may not be covered until the loss reaches a much higher basic policy deductible - which can cost you thousands of dollars. Verify the value of the endorsements added to your policy today!

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