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Effective Date

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Dwelling Coverage

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Deductibles

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Your deductible is the part of a covered loss that the insurer does not pay. Increasing your deductible amount generally reduces your premium, while still protecting you from larger losses. 1% is defined as a percentage of the dwelling coverage.

Wind / Hail Deductible

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This deductible (the portion of a covered loss that the insurer does not pay) applies to damage caused by wind or hail. If shown as a percentage, this is defined as a percentage of the dwelling coverage. Increasing the deductible amount generally reduces your premium, while still protecting you from larger losses.

Construction & Risk Characteristics

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Home Under Constrcution

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Loss History

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The Loss History is the number of individual losses (property and liability coverage combined) experienced for this address during the preceding three years.

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Fire Alarm

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A “local alarm” (burglary, smoke) when activated sets off a bell, siren/and or a strobe light outside your home. Authorities are not notified unless someone hears the alarm and calls the police. A “central alarm” is monitored by an alarm company 24/7; they then notify your policy department if it is activated. This may allow an additional discount to your premium.

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Gated Community

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Important Notice

Any information submitted or payments made through this website do not create a binding agreement for insurance coverage. Policy changes, updates, or payments are not considered effective until confirmation is provided by Active Shield Insurance, your licensed insurance agent, or the issuing insurance carrier. If you have any questions or need clarification, please feel free to Contact Us.

Home insurance helps protect your home and personal property from unexpected events such as fire, theft, or covered natural disasters. It generally includes coverage for your home’s structure, personal belongings, and liability in the event of injury or property damage to others. Having home insurance through Active Shield Insurance provides financial security and peace of mind, helping you recover and rebuild without unnecessary financial stress—so your most valuable investment remains protected.

At Active Shield Insurance, we pride ourselves on delivering exceptional customer service, building long-term relationships, and always putting our clients’ best interests first.

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Contact Info

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