Read articles written by Katelyn Huffman
Does Home Insurance Cover Wind & Hail Damage to Siding?
Yes, homeowners insurance covers functional wind and hail damage to your siding, as long as wind and hail are not excluded from your policy. In most cases, cosmetic damage claims are not covered.
Why Is the Home Insurance Company Taking Pictures of My House?
There are several reasons your homeowners insurance company may need to take pictures of your home.
Does Homeowners Insurance Cover a Hot Tub?
Yes, most homeowners insurance policies will cover your hot tub in some way if it is damaged by one of the covered perils. Personal liability and medical payments coverage may kick in if a guest to your home gets injuried in your hot tub.
Will a New Roof Get Me a Home Insurance Discount?
Although the answer depends on your insurer, for many insurance companies, a new roof will qualify your house for a discount and will lower your annual homeowners insurance premium by hundreds of dollars.
Additional Interest vs Additional Insured for Homeowners Insurance
When looking at your homeowners insurance policy, you might see terms like Additional Interest and Additional Insured. Unless you are an insurance agent, it can be hard to understand all the terms and their meaning.
Ordinance or Law Coverage
Ordinance or law coverage is an add-on insurance coverage for homeowners insurance. It covers the cost of re-building the home to local building code requirements after it has been damaged or destroyed by a covered event.
Does Homeowners Insurance Cover Wear and Tear?
Wear and tear are excluded from standard homeowners insurance coverages. Homeowners is supposed to be the one responsible for maintaining the house and the property in a well-functioning order.
Homeowners Insurance Exclusions
Learn the types of damage and perils that are typically excluded from homeowners insurance coverage.
Does Homeowners Insurance Cover Riots, Civil Unrest, & Looting?
Yes, homeowners insurance covers damage from civil unrest, riots, and looting because civil unrest is one of the covered perils listed as a named peril on even the most basic forms of home insurance.
Bare Walls In Master Policy Insurance
"Bare walls" or "bare walls-in" insurance is a type of master policy held by condominium associations. It is a limited type of coverage that protects common areas and commonly used areas of a condo, such as a lobby, stairway, or shared laundry area. It also covers the structure of the building, up to the drywall inside individual condo units.
Walls In Condo Insurance
The term “walls-in insurance” can refer to two different types of insurance policies: Continue reading to find out what a walls-in condo insurance policy is and how it will affect you in the future. Key facts Defining walls-in HOA master policy A walls-in master policy, also known as a single entity coverage, is the most ... Read more
Do I Have to Add My Dog to My Homeowners Insurance?
When buying a home and purchasing homeowners insurance, an agent will likely run down a long list of questions about the property and what you plan to have on it. This includes if you have a pool, trampoline, or dog. Claiming a dog on a homeowner’s insurance policy can be controversial, which leads to people ... Read more
