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Does Homeowners Insurance Cover Tree Roots in Sewer Line?
Even though most homeowners prefer to have trees in their yard due to its many benefits such as providing shade, privacy, and an increase in their property value, they should also be aware of the potential damages and unforeseen expenses it could cause to their property. One might ask, but how could an innocent tree ... Read more
Does Homeowners Insurance Cover Dry Rot?
Of all the dangerous problems that can befall a home, dry rot might just be the worst offender. With just a hint of moisture, you have a recipe for a wood-eating fungus that can feast upon the walls of your beloved abode. Dry rot may not seem like a huge deal, but it can quickly ... Read more
Does Homeowners Insurance Cover Bat Removal?
Bats in the home aren’t exactly a common pest problem, but when bats do happen, they can cause expensive damages that you probably don’t want to pay for. When bats enter the home, they don’t just bring themselves, they bring along plenty of other parasitic pests. Once bats are living in the house, you can ... Read more
Does Homeowners Insurance Cover Furniture?
Homeowners insurance is about as easy to understand as an Ikea instruction manual, yet it is something we all require in order to protect our properties and belongings. Policies can be convoluted and difficult to read. Even if you have an existing policy in place, you might be uncertain as to what is actually covered. ... Read more
Does Homeowners Insurance Cover Clogged Pipes?
One of the worst things a homeowner can face is the reality of a clogged pipe or a clog in the sewer line. Each can cause issues with water backup. In the event of a clogged sewage line, septic lines, which run from your sinks, showers, and toilets, get completely clogged up. When this occurs, ... Read more
Does Homeowners Insurance Cover Dog Bite Off Property?
Even the best dogs aren’t immune to get involved in a serious blunder or mix-up. No matter how amicable or mannerly your dog regularly is, dog-bite incidents can transpire in a matter of seconds. Statistics show that approximately 4.5 million people experience dog bites each year. Even when it is an out of nature moment ... Read more
Does Homeowners Insurance Cover Pool Leaks?
Choosing to add a pool to your backyard can amount to endless years of entertainment for you and your family. It can also work to add value to your home and create greater resale value should you choose to move. While a pool is largely a positive thing, it can add some complications when it ... Read more
Does Homeowners Insurance Cover Electrical Panels?
The electric panel controls the electricity of the entire home and it is the origin of all electric power. The electric panel is referred to as the “breaker box” and it has a myriad of controls that allow electricians to manipulate the different ways electricity enters the home. The electric panel is directly responsible for ... Read more
Does Homeowners Insurance Cover Home Renovation Projects?
Choosing to remodel your home or make updates can be a great way to up the value of your place and create an environment you enjoy living in. Whether you’re thinking about remodeling your kitchen or overhauling the bathroom, it is important to consider whether or not your home is adequately protected with insurance should ... Read more
Homeowners Insurance Liability Coverage & Limits
An essential part of your homeowners insurance policy is the personal liability coverage that it offers. Liability coverage protects homeowners in the event that claims or lawsuits over injury or property damage are made against the homeowner or members of the insured household. Understanding Liability Insurance Standard policies include $100,000 worth of liability coverage, but ... Read more
Should You Buy Homeowners Insurance Before Closing Date?
Most homeowners will be required to carry homeowners insurance by their mortgage lender. In order for your home loan to be extended, insurers will ask for proof that you have already paid for one year’s coverage before closing can be completed on your house purchase. Why Mortgage Lenders Require Homeowners Insurance For the duration of ... Read more
Questions to Ask When Shopping for Home Insurance
Having the right amount of coverage is one of the most important aspects of shopping for home insurance. There are several types of coverage under a standard home insurance policy and each has its own limits. As a result, figuring out the differences between different policies can be tricky. Home buying can be a very ... Read more