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Andrey Kalashnikov

Position:
Senior Editor
Expertise:
Homeowners, renters, life & auto Insurance
Education:
Bachelor of Engineering from Ryerson University

Andrey was always interested in finance and technology. Combining two of these passions, enabled Andrey to create multiple financial websites since 2010. These sites covered hundreds of topics about mortgages, loans, and various types of insurance. A Bachelor's degree in Engineering provided organizational and management skills necessary to develop and run online informational financial websites designed to make insurance and financial products simple for the consumers.

Having written and edited financial and insurance articles for over 10 years, Andrey has gained a comprehensive understanding of home insurance policies, coverages, perils and how homeowners policies vary from state to state. Andrey has been a driving force behind the growth of this website and continues to improve and innovate HOIC to this day.

Read articles written by Andrey Kalashnikov

Does Home Insurance Cover Crawl Space Damage?

Yes, homeowners insurance covers crawl space damage if the damage was caused by a covered peril. However, there are some cases when it will not be covered.

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Does Home Insurance Cover Termite Damage?

No, home insurance generally does not cover termite damage or any other type of pest infestation, except for a rare set of circumstances.

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Mold and homeowners insurance coverage explained

Does Homeowners Insurance Cover Mold?

Home insurance covers mold damage if it is the result of a covered peril in your policy, such as a burst pipe or a tree falling on your roof during a rainstorm. Home insurance does not cover mold damage if it is caused by preventable maintenance issues, such as leaks, humidity, or poor ventilation.

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Homeowners insurance coverage and air conditioners

Does Home Insurance Cover Air Conditioners?

Homeowners insurance covers A/C damaged by covered perils which include fire, lightning, wind, hail, snow, ice damage and more. Read on to learn more, we'll also look into home insurance coverage for leaks caused by A/C units.

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Explaining if septic tank damage is covered under a standard homeowners insurance policy.

Does Home Insurance Cover Septic Tank Damage?

Yes, homeowners insurance will cover your septic tank damage if it is caused by a sudden and unexpected event.

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