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Does Homeowners Insurance Cover Erosion?
If your property is damaged by heavy storms, you may want to know if your policy covers the damage sustained to your land. An extreme downpour can result in extensive erosion and damage to the topsoil on your property and require significant repairs to be undertaken. Unfortunately, many homeowners insurance policies will not cover this ... Read more
Does Homeowners Insurance Cover Code Upgrades?
Standard homeowners insurance typically does not cover building code upgrades. A homeowner needs to add an ordinance or law endorsement to their homeowner policy.
Does Homeowners Insurance Cover A Cracked Bathtub?
Understanding what your homeowners insurance policy does and doesn’t cover can seem complicated, especially when evaluating what kinds of damage to the home fit an insurance company’s definition of “structural” damage. If you have a cracked bathtub you’re hoping you can make an insurance claim to repair it, unfortunately, this will most likely have to ... Read more
Does Homeowners Insurance Cover College Students?
If you have a student getting ready to head to college, it can be stressful thinking about how they and their belongings won’t be under roof (and your home insurance) anymore. Fortunately, many college students are still eligible for insurance coverage under the parents’ policies, and there are other accessible options you can choose to ... Read more
Does Homeowners Insurance Cover Laptop Damage?
Your homeowners insurance can cover more than just your house itself and includes personal property coverage, which provides financial protection in case of damage to your personal belongings. But, how does that coverage apply to expensive technology like a laptop you might need to use every day? Your laptop is very likely to be covered ... 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 Lead Abatement?
Lead poisoning is a serious risk that homeowners need to be aware of, especially if they’re considering getting any work done in their homes. If you’re concerned that lead-based paint might be found within your home, you need to check the exclusions list on your homeowners insurance policy to find out if lead abatement is ... Read more
Does Homeowners Insurance Cover Landscaping Damage?
Landscaping around your home and property can take a large amount of time and money to get right. You want to be sure that your efforts won’t go to waste, so it’s important that you understand how you can financially protect your landscaping. Fortunately, standard home insurance policies do cover many elements on the exterior ... Read more
Does Homeowners Insurance Cover Septic Systems & Drain Fields?
Yes, your septic tank or drain field is covered by your homeowner’s insurance policy. Your septic tank is technically a part of your home, meaning it falls under your dwelling coverage details. Let’s look at how a conventional septic tank falls in line with your homeowner’s insurance. Septic systems can create a world of headaches ... Read more
Does Homeowners Insurance Cover Workers Compensation?
Most homeowners will agree that at some point, someone will come to work on your house. For some people, it can be a day to day thing. There may be a gardener one day, perhaps a landscaper the next. Maybe a family has tutors or a cleaning service. There could be a housekeeper to help ... Read more
Does Homeowner Insurance Cover Settling?
Remember the Unsung Hero of Holding Up Your House Most of us probably take for granted the foundation of our house. It performs the unglamorous job of providing support for your entire structure. Some houses have basements, others are on a slab. Either way, the foundation is a very important part of your home. State ... Read more
Does Homeowners Insurance Cover Polybutylene Pipes?
If you are buying or selling a house, there are many things to look over and analyze. The yard, the foundation, the siding, electrical, plumbing, you name it. These are all things that could potentially make, or break a sale. Entire books have been written on this subject. The purpose of this article is to ... Read more
