Read articles written by Katelyn Huffman
Does Homeowners Insurance Cover Electronics?
Electronics are covered by homeowners insurance in case it is damaged by a covered peril. Read more to learn exactly how home insurance covers your computers, laptops, TVs, cameras, surround sound systems, and other electronics.
Does Homeowners Insurance Cover Kitchen Cabinets?
Kitchen cabinets are considered to be part of your home, so dwelling coverage A of your homeowners policy will cover kitchen cabinet damage as long as it is caused by a covered peril. A standard HO-3 policy will cover kitchen cabinets on open-peril basis.
Does Homeowners Insurance Cover Damaged Flooring
The floor of your house is considered to be part of your dwelling and is covered by homeowners insurance policies in many cases. As long as floor damage is sudden and accidental and is not caused by one of the excluded perils it will be covered by most standard HO-3 policies.
Does Homeowners Insurance Cover Smoke Damage?
In most instances, homeowners insurance companies cover smoke damage from a fire that was sudden or unexpected.
Blanket Insurance Policies
If you have ever heard the term blanket insurance, you are not alone. This term is widely used in the insurance world, but its exact definition and many types are not always clear. Most people assume a blanket policy covers every type of claim, but what exactly is it, and what does it really do? ... Read more
Insurance for Rural Homes
Rural home insurance is similar to standard homeowners insurance in many ways. In some cases, rural properties require higher coverage limits to properly insure all the structures and personal belongings located on site.
Is a Camper Covered Under Homeowners Insurance?
Yes, most standard home insurance policies will cover your camper RV when it is stored on your property.
Does Homeowners Insurance Cover Explosions?
Yes, damage from explosions is covered by homeowners insurance. Even basic named-peril policies such as HO-1 and HO-2 include it in the list of covered perils.
Watercraft Endorsement for Homeowners Insurance
Watercraft endorsement is an add-on coverage for homeowners insurance to cover your boat. While it provides less coverage than boat insurance, it provides more protection than standard homeowners insurance.
Can I Get Home Insurance with Knob and Tube Wiring?
Yes, you should be able to get homeowners insurance from most companies if your home has knob and tube wiring. However, be prepared to pay higher premiums as this type of wiring is considered to be a fire hazzard.
Guaranteed Replacement Cost for Homeowners Insurance
Guaranteed replacement cost is the highest level of coverage you can select for your dwelling coverage portion of homeowners insurance.
16 Named Perils for Homeowners Insurance
Damage caused by 16 named perils are covered by most homeowners insurance policies. Find out what the 16 named perils are.
