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Does Homeowners Insurance Cover Smoke Damage?
In most instances, homeowners insurance companies cover smoke damage from a fire that was sudden or unexpected.
Blanket Insurance Policies
If you have ever heard the term blanket insurance, you are not alone. This term is widely used in the insurance world, but its exact definition and many types are not always clear. Most people assume a blanket policy covers every type of claim, but what exactly is it, and what does it really do? ... Read more
Insurance for Rural Homes
Rural home insurance is similar to standard homeowners insurance in many ways. In some cases, rural properties require higher coverage limits to properly insure all the structures and personal belongings located on site.
Is a Camper Covered Under Homeowners Insurance?
Yes, most standard home insurance policies will cover your camper RV when it is stored on your property.
Coastal Home Insurance
Coastal home insurance is a type of homeowners insurance specifically modified for higher-risk coastal areas. While typically more expensive than standard homeowners insurance, coastal home insurance offers greater protection against wind and water damage.
Do Both Spouses Need to Be on a Homeowners Insurance Policy?
Wondering if you need to have both spouses on your home insurance policy quite possibly could be the furthest thing from your mind, when you and your spouse decide to move in together. There are so many things to think about when this happens that insurance considerations tend to be an afterthought, but this can ... Read more
Wind and Hail Deductible
A wind and hail deductible is the amount you would have to pay out of pocket in case of wind or hail damage before your homeowners insurance would kick in and cover the rest.
Earthquake Insurance Deductible
An earthquake insurance deductible is the amount of money a homeowner has to pay out of pocket in case of earthquake damage before the earthquake insurance coverage can kick in. Earthquake insurance deductibles are usually set in percentages of dwelling coverage.
Does Homeowners Insurance Cover Explosions?
Yes, damage from explosions is covered by homeowners insurance. Even basic named-peril policies such as HO-1 and HO-2 include it in the list of covered perils.
Watercraft Endorsement for Homeowners Insurance
Watercraft endorsement is an add-on coverage for homeowners insurance to cover your boat. While it provides less coverage than boat insurance, it provides more protection than standard homeowners insurance.
Can I Get Home Insurance with Knob and Tube Wiring?
Yes, you should be able to get homeowners insurance from most companies if your home has knob and tube wiring. However, be prepared to pay higher premiums as this type of wiring is considered to be a fire hazzard.
Guaranteed Replacement Cost for Homeowners Insurance
Guaranteed replacement cost is the highest level of coverage you can select for your dwelling coverage portion of homeowners insurance.
