What is home insurance for?

Home insurance is a promise to pay in the event of a covered loss,up to the coverage limits in the event of a total loss. Insureds pay premiums in return for the assurance that they will be made whole in the event of a loss.

How much home insurance do I need?

At a minimum, homeowners should purchase enough coverage for their home (or dwelling) to cover the cost to rebuild the home to the same standard as it exists today. Additionally, homeowners should buy enough liability coverage to protect their personal assets.

Does home insurance cover floods?

Homeowners insurance does not protect against losses from floods. Homeowners need to purchase a separate policy to protect against floods. Flood insurance covers damage caused by rising waters.

What is the difference between ACV and RCV?

RCV, or Replacement Cost Value, provides coverage for full replacement.

What is an insurance deductible?

A deductible is the amount paid by the insured in the event of a claim. This is typically deducted from the overall payout by the insurance company in the event of a loss.

Do I have to wait to switch my policy?

You can switch your policy at any time. We are here to help in the process. Most insurance policies provide a refund for any unearned premium that has already been paid. We can then put your policy in place right away.

Am I required to carry home insurance?

Most states don't require homeowners insurance. If the home is financed, the lender will require home insurance to protect their risk exposure. For most people, a home is their largest investment and it is a good idea to protect it.

Do I need home insurance if I am renting?

If you are renting a home, your landlord should carry a policy that protects their property. As a tenant, the correct policy to carry would be a renter's insurance policy, which covers against liability and personal property risks.

Does a home insurance policy cover hurricanes?

Typically home insurance policies cover wind as one of the named perils. This includes damages caused by a hurricane. Make sure to check the policy includes wind and in some instances it may have a separate deductible. This often can be quoted in terms of a percentage of the Coverage A: Dwelling limit.

What is a central alarm system?

In order for an alarm system to qualify as being centrally monitored, the system and alerts must be monitored off site. A centrally monitored alarm is monitored around the clock, and in the event of the alarm being activated, the service provider will notify the appropriate authorities.

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"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"

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"Great experience from start to finish!"

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"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."

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"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"

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I needed to replace high cost hazard insurance with something more affordable and with similar coverage. Alex Lopez came through with a great policy and in the timeframe needed. He saved me a bundle! Looking forward to working with him again!

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"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"

Stephen T Radentz

"Alex Lopez was great! Very responsive and will work his tail off for you."

scott cordella

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Brent Craft

"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"

Melanie Davis

Karen Tronolone

"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."

Cindy Burkhart

"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"

Stephen T Radentz

"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."

Daniel Tighe

Karen Tronolone

"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."

Ryan P

"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."

Cindy Burkhart

"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"

Melanie Davis

"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"

Jon Allen

"I know the team at Worth personally and they operate with the utmost integrity and always go the extra mile for their clients. I highly recommend Worth Insurance."

Daniel Tighe

Top Carriers. Great Rates. Quality Coverage.

Frequently Asked Questions

We get it. Auto insurance can be confusing. We're here to help provide answers.

What is car insurance?

Auto insurance helps to financially protect against the high cost of potential injuries or damages caused during an accident.

What is gap insurance?

If you have a loan on a car, Gap insurance covers the difference between the value of your car and the total amount you still owe on it.

How much car insurance do I need?

While you only need to carry the amount of insurance your state requires to be eligible to drive legally on the road. The minimum coverage we suggest you carry is BI/PD 50/100/50.

What is BI coverage on my auto insurance policy?

Bodily Injury (BI) liability coverage protects against the financial risk for someone else's injuries in an accident that was caused by you.

What does Comprehensive coverage protect against?

Comprehensive coverage on your auto insurance policy protects against damage done to your car in a non-collision event. This includes events or incidents such as theft, vandalism, fire or flood.

Do I have to have car insurance?

Most states require auto insurance for any vehicle registered with the Department of Motor Vehicles intended for street use.

What is considered full coverage?

When you have comprehensive and collision coverage that is considered full coverage.

Who needs to be on my car insurance policy?

Anyone over the age of 16 in the household with a valid driver's license or who operates the vehicle regularly should be listed on the policy.

What is Property Damage liability coverage?

Property damage (PD) liability coverage protects against the financial risk of potential damages to someone else's property in an accident that was caused by you.

What is Uninsured Motorist Coverage?

Uninsured Motorist Coverage or Underinsured Motorist Coverage protects against the financial burden of being hit by a driver who does not have enough or any insurance to cover your injuries, damages, or losses.

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