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FAQ
Your coverage depends on the specific plan you select, but generally, our policies protect you against financial loss from unexpected events defined as "covered perils" (e.g., theft, accidents, or storm damage).
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What is covered: Please refer to your policy's Declarations Page for a specific list of inclusions.
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What is excluded: Standard exclusions often include intentional damage, normal wear and tear, and specific high-risk events (like acts of war or specific natural disasters requiring separate coverage).
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You can file a claim 24/7 via our mobile app, customer portal, or claims hotline. The process typically follows three steps:
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Report: Submit details and photos of the incident immediately.
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Review: An adjuster will assess the damage and coverage.
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Resolution: Once approved, payment is issued. Simple claims can be settled in 48–72 hours, while complex cases may take several weeks.
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Your premium is calculated based on risk factors such as your location, claims history, and coverage limits. However, there are several ways to lower your rate:
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Bundling: Combine policies (e.g., Home & Auto) for a multi-policy discount.
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Safety: Discounts are often available for installed security systems or safe driving records.
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Payment: Pay annually rather than monthly to avoid installment fees.
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A deductible is the amount of money you agree to pay out-of-pocket before your insurance coverage kicks in.
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Example: If you have a $1,000 deductible and $5,000 in damages, you pay $1,000, and we pay the remaining $4,000.
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Note: Generally, choosing a higher deductible will lower your monthly premium, while a lower deductible will increase it.
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You are in control of your policy. Most modifications (like adding a driver or changing an address) can be done instantly through your online account.
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Cancellation: You can cancel at any time by contacting customer support.
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Refunds: If you paid in full, you will typically receive a prorated refund for the unused portion of your policy term.
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Happy Customers
What they’re saying
Seguralia Insurance helped me find the perfect homeowners insurance for my property. Fast, friendly, and extremely professional.
Aymee and her team were outstanding with my auto insurance, better coverage at a lower rate.
Seguralia reviewed my homeowners and auto insurance, fixed gaps, and helped me save money.
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