Read articles written by Kyle Rasmussen
American Reliable Home Insurance Review (2023)
American Reliable offer homeowners insurance in 28 states. They specialize on insuring unique homes that may not qualify for coverage from some other insurers. American Reliable is able to insure older homes, mobile and manufactured homes, as well as seasonal and vacation homes.
How Can I Check My Home Insurance Claims History?
There are plenty of reasons one might want to check their home insurance claims history. Perhaps you want to check for fraud or want to get an understanding of why your premiums are what they are. Luckily, checking your home insurance claim history can be quite straightforward. While the specific process may vary among different ... Read more
Does Home Insurance Cover Gas Leaks?
Gas leaks are among the scariest problems that a homeowner can face. Not only can a minor gas leak be toxic to you and your family, but the idea that it might lead to explosions and cause serious harm to yourself and those around you is the stuff of nightmares. Your homeowner’s insurance can cover ... Read more
Does Homeowners Insurance Cover Wind Damage to The Roof?
Wind damage is responsible for a lot of destruction nationwide. Nearly 5% of all households in the United States file a claim for weather-related damage every year. If the home sustains damage due to natural causes such as hail, the homeowners insurance policy will provide protection. Homeowners policies are primarily designed to protect you from ... Read more
Does RV Insurance Cover Roof Leaks?
RV insurance protects your RV against most common perils. If you’re taking your RV out on the road, you may find that eventually, some water damage emerges. The RV is constantly exposed to the elements and if you’ve used your RV for prolonged periods, discovering a water leak is inevitable. What happens when water leaks ... Read more
Does Homeowners Insurance Cover Raccoon Removal?
Raccoons and other animals such as squirrels, birds, bats, and mice are treated differently by insurance companies. Raccoons exist all over North America and they can cause significant damage to the structure of the home. If you have a homeowners insurance policy and it covers raccoon removal, there are special services that can remove raccoons ... Read more
Does Renters Insurance Cover Auto Theft?
If your vehicle is stolen, insurance companies have the responsibility to compensate you for the market value of your vehicle. If you have comprehensive insurance and renters insurance, you can reap the benefits of both coverages. Collision insurance will not protect you if your car is stolen because it only covers you for collision damages. ... Read more
Does Renters Insurance Cover Vandalism?
Renters insurance protects your rental unit or home from damage and this includes personal property and liability insurance for unpredictable events such as vandalism. Renters insurance provides a high level of coverage, similar to homeowners insurance. HO-4 renters insurance policies have three levels of coverage: Personal property, liability insurance, and loss of use. If your ... Read more
Does Renters Insurance Cover Hurricane Damage?
Hurricane season runs in the United States from June through October. According to statistics from the National Oceanic And Atmospheric Association, we see an average of 6 hurricanes and 12 named storms during the Hurricane season. To prepare for damaging hurricanes, you need the right insurance. Renters insurance or HO-4 insurance provides optimal protection for ... Read more
Does Renters Insurance Cover Jewelry?
If you’re renting an apartment or townhouse, renters insurance (HO-4) will cover your personal property. The main purpose of renters insurance is to cover the tenant’s personal belongings. Yes, this includes your jewelry. Other personal property includes clothes, furniture, appliances, and more. Each renters insurance policy includes a clause for personal property that means if ... Read more
Does Flood Insurance Cover Broken Pipes?
Flood insurance is an optional insurance policy for homeowners insurance that protects you against floods in the home. Storms and burst pipes are common perils that lead to flooding on all levels of the home. This guide will look at the different coverage options you have in a burst pipe scenario. We’ll also look at ... Read more
Does Flood Insurance Cover Contents?
Flood insurance can be purchased as an endorsement on a homeowners insurance policy as it’s not automatically included. This includes coverage for structural damage and personal property caused by floods. FEMA spearheads the National Flood Insurance Program (NFIP) that provides flood insurance coverage to all homeowners in the United States. This is the largest insurance ... Read more