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How Much Renters Insurance Should a Landlord Require?
Landlord should require a tenant to obtain enough renters insurance coverage to protect all of the personal belongings of the tenant. Renters policy should also include enough loss of use and personal liability coverages.
Does Homeowners Insurance Cover Bathroom Leaks?
Bathroom leaks may be covered by standard homeowners insurance if they are sudden and accidental. Gradual leaks, sewer backups, and leaks caused by flooding are not covered unless you have additional coverages or endorsements.
Does Home Insurance Cover Attic Damage?
Your attic is covered by homeowners insurance in most cases. The attic is covered under the dwelling coverage of your home insurance policy. A typical HO-3 policy will cover attic from all risks except for the exclusions listed in the policy.
Does Homeowners Insurance Cover Drywall Repair?
Drywall damage is covered by dwelling coverage of homeowners insurance as long as the damage was caused by a covered peril. The perils that are covered differ by location and from policy to policy.
Does Homeowners Insurance Cover Stolen Packages?
Stolen packages are covered by homeowners insurance, however, unless the package's value exceeds the deductible amount, you won't be able to file a claim. It only makes sense to file a claim if your package is very expensive and it's value far exceeds the deductible amount.
How to Make a Successful Water Leak Insurance Claim
Water damage can be complicated to understand, as some causes of water leaks are covered by standard homeowners insurance, while others are excluded.
Open Perils in Homeowners Insurance
HO-3 and HO-5 homeowners policies cover your dwelling and detached structures on an open-peril basis. Open-peril policies cover more risks than a more basic named peril policy.
18 FEMA Flood Zones for Flood Insurance Requirements
There are 18 different flood zone designations determined by FEMA. If your home is located in one of the high risk areas, your mortgage provider may require you to get additional flood insurance coverage.
Does Homeowners Insurance Cover Natural Disasters?
Standard homeowners insurance covers many of the common natural disasters, except for flooding and earthquakes. The list of excluded natural disasters can vary state by state and by location in general. High-risk and/or coastal properties may require additional coverages or standalone policies added to be protected from some of these perils.
Does Homeowners Insurance Cover Porch Damage
Homeowners insurance covers porch damage caused by many perils. The damage excluded from coverage depends on your policy. The list of excluded causes of damage can differ by location and from company to company.
Windstorm Insurance
Windstorm insurance is designed for areas where wind and hail damage is common and home insurance excludes these perils from their standard homeowners insurance. Usually, windstorm insurance can be added to home insurance policy, but in some cases, it can be a standalone policy.
What Happens if I Can’t Afford My Home Insurance Deductible?
If you cannot afford your deductible amount, you should still file a claim with your insurance companies. Speak to your insurer, as you might be able to negotiate a way to not pay the deductible.
