Find Cheaper Homeowners Insurance

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 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 Homeowners Insurance Cover Sewer Backup?

Homeowners insurance policies cover most water damage as long as it’s sudden and accidental. Millions of households in the US are experiencing flood conditions that can cause extensive structural damage to the home. Flood conditions aren’t always caused by floods and hurricanes but they can be caused by a sewer backup. Sewer backups can cause … 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

Does Homeowners Insurance Cover Renters?

If you’re a homeowner and want to start renting your property, you must insure the property and the tenants. Homeowners insurance protects you on multiple levels: It includes dwelling coverage for structural damage and property coverage for all your belongings. This coverage is mandatory when you let strangers into your home, especially when you do … Read more

Does Renters Insurance Cover Car Damage?

Renters insurance, also known as HO-4 policy, is insurance designed for tenants. This insurance policy can be used to protect your personal belongings while you rent an apartment unit or a house. Renters insurance will cover you for all personal property inside the home and abroad when you’re traveling, albeit at a lower coverage limit. … Read more