Start with the home, not its sale price
Your mortgage balance and the price you paid do not tell the whole coverage story. Bring the property details and your current policy so we can discuss rebuilding coverage and the terms that apply to your home.
What to review
Dwelling and other structures
Review the building limits and settlement provisions, including how an older roof is treated.
Belongings and liability
Discuss personal property limits, replacement cost options, liability and additional living expenses.
Water and other exclusions
Ask about flood exclusions, water backup options and any restrictions relevant to your property.
Compare before you choose
| Compare | Question to resolve |
|---|---|
| Rebuilding limit | Compare the dwelling limit and any additional rebuilding protection, rather than using the sale price. |
| Roof settlement | Ask whether age, depreciation or a payment schedule affects the roof settlement. |
| Deductibles | Check the standard deductible and any separate wind or hail deductible. Ask what a percentage means in dollars. |
| Water protection | Review water backup options and discuss separate flood insurance. |
Already insured? Share your current policy through Canopy Connect, or contact our team to arrange another way to provide your declarations page.
What to bring to the conversation
- Property address and current declarations page
- Roof age, renovations and system updates
- Closing date or desired start date
Call our office or book a conversation. The team can explain which additional details are needed for your situation.
Questions before you choose
Does every policy replace an older roof with a new one?
No. Review roof settlement terms, deductibles and any payment schedule. Age, condition and policy provisions can affect a covered claim.
Can you tell me the price from my home’s value alone?
No. Property details, coverage choices and underwriting affect the quote. We can explain what information is needed.
Thinking about renting out your home?
Before tenants move in or you list the home on Airbnb or Vrbo, check whether your insurance fits the rental plans. Our landlord and short-term rental guide explains what to discuss with us.
Reviewing a Waynesville-area home
For an older home or a property with detached buildings, bring details about construction materials, updates and how each building is used. Our Waynesville insurance guide includes questions to help you prepare for a property-specific coverage review.
Helpful consumer resources
NAIC homeowners insurance guide
General information is a starting point. Your policy documents, endorsements, exclusions and limits determine your coverage. Product availability and eligibility vary.