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Frequently Asked Questions
Quick answers about insurance, quotes, claims, and more.
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General
Home
Improvement
Medicare
Claims
How do I get a quote?
You can get a free quote online by visiting our Get a Quote page and filling out a short form, or by calling us at (833) 501-0260. A licensed advisor will follow up within 4 hours.
Are you licensed in my state?
Yes, EraQuotes is licensed as a non‑resident insurance agency in all 50 states and Washington D.C. We can serve you anywhere in the US.
Can I bundle multiple policies?
Yes! Bundling home and improvement insurance can save you up to 20%. Ask your advisor about multi-policy discounts.
What does home insurance cover?
Our home insurance covers dwelling, personal property, liability, and loss of use. Water backup up to $50k is included. Additional endorsements available for valuables, home office, etc.
Is water backup included?
Yes, $50,000 of water backup coverage is included in every home policy – no extra rider needed. You can upgrade to $100k for a small fee.
How is dwelling coverage calculated?
We use replacement cost value (RCV), meaning we pay to rebuild your home with similar materials, not the market value. Our estimator tool can give you a quick idea.
Do you offer discounts for smart home devices?
Yes, you can save up to 10% for installing approved security systems, smoke detectors, water leak sensors, and smart thermostats.
What is contractor default insurance?
It covers financial loss if a contractor abandons the project, goes bankrupt, or fails to complete work per contract. It's part of our Home Improvement coverage.
How long is the warranty extension?
We extend builder warranties up to 3 additional years on materials and workmanship. Optional 5-year extension available.
Are materials covered during transport?
Yes, material damage coverage includes theft or damage while in transit to the job site and during storage.
Do I need improvement insurance if I'm the contractor?
This policy is designed for homeowners. Contractors should carry their own general liability and workers' comp. Our coverage protects you from contractor-related risks.
Does Medicare Advantage include prescription drugs?
Yes, all our Medicare Advantage plans include Part D prescription coverage with $0 generics at preferred pharmacies.
What does $0 preventive include?
Annual wellness visits, blood work, vaccines, mammograms, colonoscopies, and cardiovascular screening – all $0 copay.
Can I keep my doctor?
Most major providers are in-network. We can check your specific doctors during enrollment to ensure continuity of care.
How fast is Medicare plan approval?
Most Medicare plans are approved within 2 hours, and digital cards are available immediately.
How fast are claims processed?
Most claims are acknowledged within 2 hours, and simple claims are settled within 48 hours. Complex claims may take longer, but we keep you updated daily.
How do I file a claim?
You can file online through our Claims Center, call our 24/7 hotline at (833) 501-0260, or use the mobile app.
Can I track my claim status?
Yes, you can log in to your dashboard to see real‑time status, adjuster notes, and payment updates. You'll also receive email notifications.
What documents do I need for a claim?
Photos, receipts, contractor estimates, police reports (if applicable). We'll guide you through the process and let you know if anything else is needed.
Popular questions
How do I get a quote?
Home insurance coverage
Claims processing time
Contractor default
Medicare Part D
50-state licensing
Still have questions?
Our licensed advisors are ready to help – no obligation, just answers.