FAQ - Homeowners Insurance
Frequently asked questions:
Please mail your check, payable to:
Wawanesa Insurance Company
San Diego, CA
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.
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.
We currently offer the following
1. New Home Discount
2. Protection Device Discount
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.
Yes, your personal belongings are covered while you are traveling anywhere in the world.
In order to have coverage
immediately, you must meet ALL of the following
1. Your application is U.S.
postmarked at least one day before the requested policy
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.
No - there is no rate increase based upon your claims experience.