Homeowners Insurance FAQs

Your home is more than just a building. We’ll make sure it’s covered from top to bottom, so you can focus on making memories. For the place that matters most, you can depend on Della.

A modern two-story house with a black front door, large windows, and a covered porch, surrounded by colorful flowers and plants.

If you have a mortgage, your lender will require it. Even if you don’t, it’s a smart way to protect your biggest investment.

It depends on your home, location, and coverage needs. We’ll help you find a policy that fits your budget without cutting corners.

It’s the amount you pay out of pocket before your insurance kicks in. Higher deductibles usually mean lower premiums.

Things like floods, earthquakes, and routine wear-and-tear usually aren’t covered. We’ll help you spot the gaps so there are no surprises.

Sometimes. It depends on what caused the mold. If mold comes from a sudden problem (like a burst pipe), it might be covered, but if the mold is a result of long-term neglect, then no.

No. Termites and other pests are considered preventable maintenance. Regular inspections are your best defense.

No, floods aren’t covered by standard homeowners insurance. You’ll need a separate flood policy for that protection.

For most homeowners, no, but if you use part of your home for business, some costs may qualify. It is best to ask your tax advisor.

It’s the value of your belongings, after factoring in depreciation. Basically, what your stuff is worth today, not what you paid for it new.