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Does Homeowners Insurance Cover Clogged Pipes?
One of the worst things a homeowner can face is the reality of a clogged pipe or a clog in the sewer line. Each can cause issues with water backup. In the event of a clogged sewage line, septic lines, which run from your sinks, showers, and toilets, get completely clogged up. When this occurs, ... Read more
Does Homeowners Insurance Cover Unpermitted Work?
Having a house has its own set of rewards. As a humble homeowner, you naturally want your house to feel more like home. After a while, home improvement projects may begin to pile up. Let’s say you decide to put your DIY capabilities to the test and build your own back porch oasis. Problem is, you ... Read more
Does Homeowners Insurance Cover Dog Bite Off Property?
Even the best dogs aren’t immune to get involved in a serious blunder or mix-up. No matter how amicable or mannerly your dog regularly is, dog-bite incidents can transpire in a matter of seconds. Statistics show that approximately 4.5 million people experience dog bites each year. Even when it is an out of nature moment ... Read more
Does Homeowners Insurance Cover Pool Leaks?
Choosing to add a pool to your backyard can amount to endless years of entertainment for you and your family. It can also work to add value to your home and create greater resale value should you choose to move. While a pool is largely a positive thing, it can add some complications when it ... Read more
Does Homeowners Insurance Cover Electrical Panels?
The electric panel controls the electricity of the entire home and it is the origin of all electric power. The electric panel is referred to as the “breaker box” and it has a myriad of controls that allow electricians to manipulate the different ways electricity enters the home. The electric panel is directly responsible for ... Read more
Does Homeowners Insurance Cover Home Renovation Projects?
Choosing to remodel your home or make updates can be a great way to up the value of your place and create an environment you enjoy living in. Whether you’re thinking about remodeling your kitchen or overhauling the bathroom, it is important to consider whether or not your home is adequately protected with insurance should ... Read more
Homeowners Insurance Liability Coverage & Limits
An essential part of your homeowners insurance policy is the personal liability coverage that it offers. Liability coverage protects homeowners in the event that claims or lawsuits over injury or property damage are made against the homeowner or members of the insured household. Understanding Liability Insurance Standard policies include $100,000 worth of liability coverage, but ... Read more
Coverages A, B, C, D, E, And F for Home Insurance
Coverages A, B, C, D, E, and F are included in most standard homeowners insurance policies. It is important to understand what these coverages cover and what they exclude.
Should You Buy Homeowners Insurance Before Closing Date?
Most homeowners will be required to carry homeowners insurance by their mortgage lender. In order for your home loan to be extended, insurers will ask for proof that you have already paid for one year’s coverage before closing can be completed on your house purchase. Why Mortgage Lenders Require Homeowners Insurance For the duration of ... Read more
Questions to Ask When Shopping for Home Insurance
Having the right amount of coverage is one of the most important aspects of shopping for home insurance. There are several types of coverage under a standard home insurance policy and each has its own limits. As a result, figuring out the differences between different policies can be tricky. Home buying can be a very ... Read more
How Many Claims Before Home Insurance Cancels
Home insurance offers you financial protection in a variety of circumstances, including financial loss due to injury or damage of or on your property. What you might not know is that having high claims frequency, how often you report a claim on your home insurance, can have a negative impact on your ability to maintain ... Read more
Does Homeowners Insurance Cover Injury to the Homeowner?
You may have heard that homeowners insurance can cover injury that occurs in the home and want to know if that applies to the homeowner as well. Generally, homeowners insurance offers coverage for medical bills associated with injuries to those who are not part of the household. The idea that home insurance would cover the ... Read more
