FAQ - Homeowners Insurance

Frequently asked questions:

Is there a grace period if my payment is late?

My policy canceled. If I send a payment will my coverage be reinstated?

What policy discounts are available on my Wawanesa Homeowner's Insurance Policy?

I recently obtained Wawanesa Homeowner's Insurance. Someone came and inspected the outside of my house and property. Is this normal?

Are my personal belongings covered when I am traveling in a foreign country?

If I apply for house insurance, do I have coverage immediately?

If I have a claim will my premium increase?

Where do I mail my payment?

Please mail your check, payable to:
Wawanesa Insurance Company
BOX 82867
San Diego, CA
92138-2867

Is there a grace period if my payment is late?

There is NO grace period. Payments must be U.S. postmarked or received in our office PRIOR to any expiration or cancellation date to avoid a lapse in coverage. No claims will be honored if a loss occurs during a lapse period.

My policy canceled. If I send a payment will my coverage be reinstated?

Reinstatement of coverage is subject to Underwriter approval. If reinstated, coverage will be effective 12:01 AM the day after the U.S. postmark date on your payment envelope. Reinstatement of coverage is not possible on any policy that has been canceled or expired for more than 30 days.

What policy discounts are available on my Wawanesa Homeowner's Insurance Policy?

We currently offer the following discounts:

1. New Home Discount

2. Protection Device Discount

I recently obtained Wawanesa Homeowner's Insurance. Someone came and inspected the outside of my house and property. Is this normal?

Yes - Wawanesa, like many other insurance companies, inspect every home we insure. This allows us to assist you in determining and maintaining the coverage amount necessary to rebuild your dwelling in the event of a claim.

Are my personal belongings covered when I am traveling in a foreign country?

Yes, your personal belongings are covered while you are traveling anywhere in the world.

If I apply for house insurance, do I have coverage immediately?

In order to have coverage immediately, you must meet ALL of the following requirements:

1. Your application is U.S. postmarked at least one day before the requested policy effective date.

2. You must properly complete and sign the application.

3. You enclose your premium downpayment check with your application, unless you have an Impound Account with your mortgage holder.

4. There have not been any earth movement or subsidence losses in your area.

5. There is no mandatory evacutation order currently in effect in your area.

6. You do not have any employees working in your home.

7. Your home is not resting on either stilts or an open foundation.

8. There is no trampoline, skateboard ramp, or diving board on the property.

Otherwise, NO coverage will apply until such time as your application is otherwise approved by Wawanesa.

If I have a claim will my premium increase?

No - there is no rate increase based upon your claims experience.