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Does Homeowners Insurance Cover Guest Houses?
Standard homeowners insurance typically covers your guest house as long as you do not rent it out. Other structures coverage B covers the structure of your guest house. Read the whole article to learn what else is covered, what is not covered, and what insurance you might need to get if you are renting your guest house out.
Homeowners Insurance for Homes in Need of Repair
Buying homes in need of repair can be stressful. It is important to get the right insurance policy to protect you financially while your home is being repaired or renovated.
Does a Denied Home Insurance Claim Count Against Me?
The short answer is that a denied home insurance claim may count against you. Two important factors that lead to a denied claim counting against you or not are your location and your insurance provider. Some states give insurance companies the ability to factor in denied claims to the premium rate that is assessed and ... Read more
Service Line Coverage for Homeowners Insurance
Service line coverage is usually available as additional coverage that can be added to homeowners insurance in a form of endorsement or rider.
Does Homeowners Insurance Cover Electronics?
Electronics are covered by homeowners insurance in case it is damaged by a covered peril. Read more to learn exactly how home insurance covers your computers, laptops, TVs, cameras, surround sound systems, and other electronics.
Loss Assessment Coverage and Condo Insurance
Loss assessment coverage is part of condo HO-6 insurance policies. It protects the condo owner when some damage happens in the common area of the condo building and the cost to repair the damage exceeds the limits of the HOA master policy.
Does Homeowners Insurance Cover Kitchen Cabinets?
Kitchen cabinets are considered to be part of your home, so dwelling coverage A of your homeowners policy will cover kitchen cabinet damage as long as it is caused by a covered peril. A standard HO-3 policy will cover kitchen cabinets on open-peril basis.
Flood Insurance Requirements for Lenders
Flood insurance coverage may be required by your mortgage provider if the home you are buying is located in a high-risk flood area. Find out how much coverage is typically required.
What is Sewer Backup Insurance?
Sewer backup coverage will protect the homeowner from backups of the sewage system, broken lines, and reimbursement for repairs needed as a result of the damage. The coverage also reimburses the homeowner for expenses related to removing standing water and sewage that may accumulate in the home.
Fair Rental Value Coverage
Fair rental value coverage is part of the loss of use coverage D and comes standard in most homeowners and landlord insurance policies. Fair rental value insurance is designed to protect landlords from losing rental income in a case when the property is damaged by a covered peril and becomes uninhabitable for the tenant.
Does Homeowners Insurance Cover Damaged Flooring
The floor of your house is considered to be part of your dwelling and is covered by homeowners insurance policies in many cases. As long as floor damage is sudden and accidental and is not caused by one of the excluded perils it will be covered by most standard HO-3 policies.
Identity Theft Insurance Coverage
Identity theft insurance is often offered as standalone coverage or as additional coverage for homeowners insurance policies. Some insurance companies include identity theft coverage in their standard homeowners policies.
