Read articles written by Katelyn Huffman
What Is an Assignment of Benefits Form?
When the unthinkable occurs, it can leave you with a severely damaged home and a lot of work to organize and implement. This can translate to thousands of dollars, and all of that money typically comes from an insurance policy claim payout. When an assessment takes place, and work is set to start, a vendor ... Read more
All In Condo Master Policy Insurance
When researching the condo association you want to move to, you will likely request to view their insurance policies. This is a great proactive measure so that you can plan out your own insurance needs when purchasing a condo. Some condo associations offer All In condo insurance in their master policy, but what exactly does ... Read more
All Other Peril Deductible in Homeowners Insurance
Most homeowners are aware that they must pay a deductible before their homeowner insurance pays for a claim. What many people do not know is there is more than one kind of deductible when it comes to homeowners insurance. The most commonly used deductible is an All Other Peril (AOP) deductible. An All Other Peril ... Read more
Personal Property Coverage with Replacement Cost Value
When selecting a homeowners policy, you will be faced with many decisions. A lot of math, state minimums, and endorsements will be reviewed and added to the policy to ensure it is comprehensive and matches your needs and the requirements of a mortgage company. When it comes to personal property coverage C, you will be ... Read more
Does Homeowners Insurance Cover Ceiling Collapse?
Homes are susceptible to many different perils. These perils can be frustrating and devastating. Sometimes, these unthinkable situations are minor, like an appliance backup. Other times they can be severe such as a ceiling collapse. When these horrors hit, you may wonder, does your insurance cover ceiling collapse? Ceiling collapse that is caused by a ... Read more
Does Homeowners Insurance Cover Carport Damage?
Understanding all the facets of your homeowners insurance policy is essential. It details main home coverage and secondary structure coverage. So, does home insurance cover damaged carports? Homeowners insurance will typically cover the cost to repair a damaged carport if it was damaged by one of the covered perils. When the insurance company assesses the ... Read more
Will My Home Insurance Cover Water Damage from Dishwasher?
Coming home to a dishwasher that has let go and caused a flood can be quite stressful. Not only does it create a chaotic mess, but it can also leave behind some serious damage. This leads many homeowners to wonder, does home insurance cover water damage from a dishwasher? In most instances, water damage from ... Read more
Does Home Insurance Cover Driveway Damage?
Your driveway is just as important as the other structures on your property. Luckily, most insurance policies will cover or offer additional coverage to protect it. So, does standard homeowners insurance cover your driveway? Home insurance covers driveway damage as long as the cause of the damage was due to one of the covered perils. ... Read more
How Wood Stoves Affect Your Home Insurance Premiums
Millions of Americans still heat their home primarily with wood. However, installing a wood stove in your home may alert your insurance company as it increases the risk of fire in your house. An uncertified wood stove may increase cause your insurance provider to cancel your policy.
Earth Movement Insurance Coverage
If you are building a new home or moving into an area that is close to a fault line, has regular landslides, or other similar types of events, it is important to consider adding earth movement insurance to your policy. But what exactly is earth movement insurance coverage? Homeowners can opt to purchase earth movement ... Read more
Does Homeowners Insurance Cover Rodent Damage?
Every homeowners insurance is drastically different. When reading the fine print, it can become overwhelming. Some homeowners look for specific instances of coverage, while others want a general overview. One specific instance, many homeowners are curious about it whether rodent damage is covered by insurance. Homeowners insurance will cover single identifiable events that may have ... Read more
Does Homeowners Insurance Cover Structural Damage?
When a peril leaves you with structural damage, it can be hard to come to terms with its destruction. Most homeowners quickly make a call to the insurance agency to schedule an assessment and begin the claim process. Before doing so, it is important to understand whether structural damage is covered by homeowners insurance. If ... Read more
