Frequently Asked Questions

homeowners insurance

Frequently Asked Questions Regarding Homeowners Insurance:

How does the quoting process work with HQC?

You submit your request for a quote online or call 1-877-734-1988 to speak to a live agent.  Once we receive your quote request, a local agent in your area will call you to collect a little more information to help you maximize your discounts and provide you with the best quote possible.  Click here to start your quote!

What does homeowner’s insurance cover?

This answer varies based on what homeowner’s insurance you purchase and what other coverages you purchase.  Let our experienced local agents help you today.  They can guide you to which policies will best protect your home.

How can I save money on homeowner’s insurance?

Check out the most popular Discounts here.

Is my house covered during a flood with my basic homeowner’s insurance?

A basic homeowner’s policy does not include flood protection.  Please contact us to help you get the best coverages for your home.  Remember, it takes 30 days for a flood policy to go into effect.  Get yours today!

What’s the difference between homeowner’s and renter’s insurance?

Homeowner’s insurance covers the structure and personal property inside the home.  Whereas, renter’s insurance only covers your personal property (not the building itself).

What is replacement cost vs actual cash value?

Replacement cost is what it will cost to rebuild or repair your property based on current market prices.

Actual cash value is the cost to rebuild or repair minus depreciation.

Which is better?  Contact one of our local insurance agents today to find out!

What information will my insurance agent require?

Every agent will need the same basic information.  This is what you can expect an agent to ask you when you are getting a homeowner’s insurance quote.

  • Name
  • Date of birth
  • Social security number
  • Property address
  • Previous insurance carrier
  • Year built
  • Square footage
  • Exterior construction
  • Year of roof
  • Number of stories/floors
  • Monitored alarm
  • Number of bathrooms
  • Flooring type in home
  • Pool
  • Dogs
  • Fireplace
  • Porch (covered or enclosed)
  • Garage (attached or detached)

What is an umbrella policy?

An umbrella policy offers coverage above and beyond the typical homeowner’s insurance policy.  Do you need an umbrella policy?  Contact Home Quote City today to let one of our trusted local agents advise you.


Do you have a question we did not answer?  Contact one of our local agents today.  They can guide you through the process and answer any insurance questions you might have.

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