FAQ - SurelyNest

General Questions

Common questions about SurelyNest and home insurance basics

SurelyNest is a modern home insurance company that combines traditional coverage with innovative technology. We offer transparent pricing, instant quotes, digital policy management, and exceptional customer service. Unlike traditional insurers, we prioritize simplicity and customer experience.

You can get an instant quote in under 5 minutes using our online platform. Our smart pricing technology analyzes your home's details, location, and risk factors to provide accurate quotes quickly. For more complex situations, our agents can provide personalized quotes within 24 hours.

SurelyNest is currently available in 20 states and expanding rapidly. We're licensed in California, Texas, Florida, New York, Pennsylvania, Illinois, Ohio, Georgia, North Carolina, Michigan, New Jersey, Virginia, Washington, Arizona, Massachusetts, Tennessee, Indiana, Missouri, Maryland, and Wisconsin.

We insure most single-family homes, townhomes, and condominiums. This includes primary residences, secondary homes, and rental properties. We cover various construction types including wood frame, brick, concrete, and steel construction homes built within the last 40 years.

Yes! We offer various discounts including multi-policy bundling, claims-free history, home security systems, smart home devices, new home discounts, and loyalty rewards. Our customers typically save 15-25% through our discount programs.

Absolutely! Our digital platform and mobile app allow you to view your policy, make payments, update coverage, file claims, track claim status, and access important documents 24/7. You can also chat with our support team directly through the app.

Our licensed insurance experts are available to help you choose the right coverage for your needs. You can schedule a consultation, chat online, or call our customer service team. We'll review your home's value, location risks, and personal needs to recommend appropriate coverage levels.

You can cancel your policy at any time by calling our customer service team, using your online account, or through our mobile app. We'll provide any applicable refund for unused premium. We recommend having new coverage in place before canceling to avoid any gaps in protection.

Coverage Questions

Understanding what's covered and how our policies protect you

Our home insurance covers four main areas: dwelling protection (structure of your home), personal property (belongings), liability protection (legal and medical costs if someone is injured), and additional living expenses (temporary housing if your home is uninhabitable).

Coverage should equal 100% of your home's replacement cost, not market value. For personal property, we typically recommend 50-70% of dwelling coverage. Liability coverage should be at least $300,000, though many choose $500,000 or $1 million for extra protection.

Standard policies don't cover floods, earthquakes, normal wear and tear, maintenance issues, pest damage, or intentional damage. However, we offer additional coverage options for floods and earthquakes, and our policies include protection against many weather-related events.

Yes! If your home becomes uninhabitable due to a covered loss, we'll pay for additional living expenses including hotel costs, restaurant meals, and other necessary expenses above your normal living costs while your home is being repaired.

Standard policies have sub-limits for valuable items like jewelry, art, and electronics. We offer additional coverage options for high-value items through scheduled personal property endorsements, which provide broader coverage and higher limits for your most valuable possessions.

We cover sudden and accidental water damage from sources like burst pipes, appliance leaks, or roof damage from storms. However, gradual leaks, flooding from outside sources, or sewer backup require additional coverage options that we can add to your policy.

Claims Questions

Everything you need to know about filing and managing claims

You can file a claim 24/7 by calling our claims hotline at (833) 828-6363, using our mobile app, or logging into your online account. For emergencies, call immediately. Otherwise, report claims as soon as possible and have your policy number, incident details, and photos ready.

Simple claims can be processed within 48-72 hours. More complex claims requiring investigation or extensive repairs may take 1-2 weeks. We provide regular updates throughout the process and aim to settle claims as quickly and fairly as possible.

First, ensure everyone's safety. Then, prevent further damage if possible (like covering a damaged roof), document everything with photos and videos, contact us to file a claim, and keep receipts for any emergency repairs or temporary living expenses.

Not all claims affect rates equally. Weather-related claims typically have less impact than multiple at-fault claims. We consider your overall claims history, claim frequency, and claim amount. Many customers see no rate increase after their first claim, especially for unavoidable losses.

Yes, you can choose your own contractor. We also have a network of pre-approved contractors who offer guaranteed work and streamlined billing. Whether you use our network or your own contractor, we'll work with them to ensure quality repairs and proper documentation.

Billing & Payments

Questions about payments, billing, and policy costs

We accept credit cards, debit cards, bank transfers, and checks. You can pay online, through our mobile app, by phone, or by mail. We also offer automatic payment options and flexible payment schedules including monthly, quarterly, and annual payments.

Yes, you can change your payment frequency at any time through your online account or by calling customer service. Keep in mind that annual payments often receive a discount, while monthly payments may include a small service fee.

We'll send you a notice with a grace period to make your payment before any cancellation. We understand that life happens and work with customers facing financial difficulties. Contact us as soon as possible if you're having trouble making payments.

You can lower premiums by increasing your deductible, bundling with other policies, installing security systems, maintaining a claims-free record, and taking advantage of our various discount programs. Our agents can review your policy to identify potential savings.

Frequently Asked Questions

General

Coverage

Claims

Billing

General Questions

Coverage Questions

Claims Questions

Billing & Payments

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