Find Cheaper Homeowners Insurance

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 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